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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)

Best credit car d

I decided to took credit card then I applied and excepted verry quick and low rate Reviewed on: 11th April 2023

Great card to help with credit

This is a great card to have to build your credit rate app is easy to use you can set up a direct debit and change anything at any time if you need too Reviewed on: 11th April 2023

Great credit card.

Never had any problems. App easy to use as well. Reviewed on: 11th April 2023

Easy to set up and manage

Applying for the card was simple and using the app makes it really easy to monitor spend and plan. Plus a lot of insight into your credit health and the potential to see if you’re eligible for other offerings by Zopa without needing to apply again. Recommend Zopa if you’re new to credit. Reviewed on: 11th April 2023

Perfect credit card

Excellent credit card excellent customer service excellent app what more can you ask for Reviewed on: 11th April 2023

Lovely credit card

I love this company , I am so happy to have them as customers Reviewed on: 11th April 2023

Excellent

Excellent customer service and helpful Reviewed on: 11th April 2023

Absolute Zopa-stars!

Clean, simple to use app that helps me track my everyday credit spending. I’m able to pay on demand each month (they send through a reminder so you won’t forget to pay) or setup a direct debit. Easy to setup and get started, love how it’s all done through the app. Customer service have been effective as well. They also update you on how your credit score is progressing, providing me with actionable advice to work at improving this to increase my borrowing power! I’m saving for a house so this is invaluable. Have told 1 or 2 (or 10) friends about it. Well worth taking a look! Reviewed on: 11th April 2023

Credit card

I have had this credit card for awhile now and I’m so happy with it Reviewed on: 11th April 2023

Great credit card

I love using zopa. Easy to use and balance the books Reviewed on: 11th April 2023

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