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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 amount afford for very poor credit scores

Others afford me 200 max, zopa gave me 1000 plus an extra 1000 for balance transfers. 2000 pound limit. Hands down best credit card company in my eyes. Reviewed on: 11th April 2023

Excellent

The app is very useful and gives you a lot of information. The credit card is easy to use. Reviewed on: 11th April 2023

highly recommend Zopa

so easy to use. Great interest rate. Reviewed on: 11th April 2023

Happy with the service!

I'm using zopa credit card from quite a sometime now and I'm happy with the overall service! Cheers Reviewed on: 11th April 2023

Great service

Excellent efficient service Easy to use Great customer service Reviewed on: 11th April 2023

Amazing service

Everything is fantastic in Zopa ,easy to use Reviewed on: 11th April 2023

Great credit card

The application process was easy, can easily monitor my credit card spending and payments on the app. Was offered a good rate of interest compared with other cards, I would recommend. Reviewed on: 11th April 2023

Thank you

They are helping people who have struggled a bit in the last few years to get there credit rating back up and that has to be a good thing. Thank you. Reviewed on: 11th April 2023

Easy to use

Web site very easy to use no hassle being a bit older I struggle with some companies site but Zopa was so eay Reviewed on: 11th April 2023

Good Service

No issue, with online app and account operations Reviewed on: 11th April 2023

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