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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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)

So simple

Whole experience very straight forward and easy to apply and set up Reviewed on: 11th April 2023

Happy

Very happy with all aspects of this card,I constantly recommend it to friends and family. Reviewed on: 11th April 2023

Great Help

With a poor credit rating, I was able to get a zopa credit card where no one else wanted to give me one. This has realy been the only chance I have had to rebuild my credt rating, a great help. The app is also great, easy to manage and notifications help to keep track of spending and balance. Zopa also has other great products for savings which you can only access after a minimum of 7 days notice which is realy great particularly that your savings is safe and not accesible to quickly which realy helps with saving. Reviewed on: 11th April 2023

Great service, Great app

Can not fault Zopa on anything! Simply great Reviewed on: 11th April 2023

Credit Builder

Great card to help build credit, nicest customer service i have experienced from a credit card provider. Reviewed on: 11th April 2023

Perfect for travelling

Good interest rates and is easy to use when traveling abroad. Reviewed on: 11th April 2023

Great.

Way and simple to use. Great for the type that worries about there finances Reviewed on: 11th April 2023

Simple Mobey

The Zopa card is so convenient and easy to use, fantastic app Reviewed on: 11th April 2023

Super

Easy to use no hassle easy app navigation great Reviewed on: 11th April 2023

Amazing!

Can’t recommend enough, easy application, fast and straight forward! Quick response! Card and pin arrived within 7 days! Customer service 5* Reviewed on: 11th April 2023

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