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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)

Simple and efficient

All good experience with this company Reviewed on: 11th April 2023

Google Pay Enabled

This may be a card for those with a short or poor credit history. But unlike others in the same bracket, it is enabled with Google Pay, meaning I can use Pay with both my smart phone and smart watch, even if I pop to the local supermarket and the card isn't physically in my posesion (but my electronic devices are). It's a win win for rebuilding my credit profile and also for convenience. Reviewed on: 11th April 2023

Zopa products

Zopa is really helpful and I can manage my financial problems with them Reviewed on: 11th April 2023

Easy application for bad credit

Really easy application even for those with less than perfect credit score. Came in the post and once the app is set up it’s convenient to keep track of what you have paid for and to make monthly payments. Highly recommend Reviewed on: 11th April 2023

Clear and simple

With the online tools and an App everything is clear and simple and easily managed anytime of the day. Everything has been clear, simple open and honest with all communication to date and I can not fault them Reviewed on: 11th April 2023

Fantastic

Fantastic service customer support was good Reviewed on: 11th April 2023

Excellent service

Highly recommended had no issues with Zopa Reviewed on: 11th April 2023

Excellent, simpleservice

This service has been professional from day one and the app is so simple to use. Highly recommended Reviewed on: 11th April 2023

Good Standard

No fuss, no hassle, costumer friendly Reviewed on: 11th April 2023

Great card

A great card to help with a low credit score Reviewed on: 11th April 2023

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