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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 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 (44348)

excellent

My experience with zopa has been excellent would definitely recommend zopa to my friends and family Reviewed on: 11th April 2023

Belief

Through clear score was offered Zopa. Having been through an IVA and needing to revuild my life as well as a credit score. I can safely say that Zopa have been a joy to deal with and how amazed I have been with them. For the 1st time in years I feel like a human again thanks to them Reviewed on: 11th April 2023

Up front no hiding agendas

Straight forward and up front account no hidden fees or anything Reviewed on: 11th April 2023

Very good and easy to manage on the app

Very good app very good service easy to make payments Reviewed on: 11th April 2023

Great Card

Easy application clear and easy. I had no.issues. Reviewed on: 11th April 2023

Good card

Easy to use app, making payments is very simple Reviewed on: 11th April 2023

Grat crait card

So happy I have a card with yous you are amazing company Reviewed on: 11th April 2023

Easy to use. Informative.

I took a credit card to help build my credit rating. I had a decent amount approved and manageable repayments. They always let me know when payment is due and keep me informed of many changes Reviewed on: 11th April 2023

Easy to use

This credit card is so simple. The app makes it really easy to keep track of payments, credit limit and view statements Reviewed on: 11th April 2023

Great

Great company, after a costly separation from my partner I got in to debt 4 years on I reduced my debt and increased my credit report from 35 to 405 and applied for my first credit card with Zopa online, after a few minutes of filling in my details to see if I would be accepted I got the good news of being accepted with a £500 starting credit limit, I accepted and within a week my pin and new stylish credit card arrived, the Zopa app is easy to use and updates you on your spending and updates your payments/ statements efficiently. I definitely recommend this company to anyone looking for a fair chance of credit. Reviewed on: 11th April 2023

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