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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44347)

Excellent service

Customer service is Amazing the app is so easy to use any problems there's always someone there ro help you Reviewed on: 11th April 2023

Easy and helpful

Since getting this credit cars I have found it so helpful and easy to use. Zopa staff are always their for support when you need them . Reviewed on: 11th April 2023

Amazing app

So my credit rating wasn’t the best because of my past, however peoples situations change and Zopa gave me the opportunity to change that, I now have the opportunity to buy things in advance and manage my money. And with the app it makes you more aware of your spending and you can pay whenever you like and your banance comes down right away, it’s great Reviewed on: 11th April 2023

Great customer service. And easy to use app

Great customer service. Alway happy to help me. Reviewed on: 11th April 2023

Fantastic

Instant credits. Easy to use the app. Reviewed on: 11th April 2023

Great to Build Credit

I have been using Zopa to help improve my credit score and I can’t recommend them enough. There are no tempting credit increases if they really don’t think you need it and there are so many tips to help you improve your credit as well as get access to any benefits that you may be eligible for if applicable. Their credit cushion allows you to keep money aside for emergencies and the app is so easy to use and understand. I cannot recommend Zopa enough. Reviewed on: 11th April 2023

Gcc good credit card

Helpful transparent and fair all ggod Reviewed on: 11th April 2023

Credit builder

They help to build your credit and do not increase your credit until they know you can manage your finance well. They check your credit record on a regular basis. Reviewed on: 11th April 2023

Best Credit Card

I would definitely recommend, this is an amazing credit card. Zopa accepted me when I was at my lowest. Reviewed on: 11th April 2023

Great Credit Card!

Great credit card which is easy to stay on top of with the app. Reviewed on: 11th April 2023

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