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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)

Zope is a great help.

Very happy with Zopa, quick check and answer and low interest. Reviewed on: 11th April 2023

Top of the pile

Clear run and easy to work with. I have found this card company to be by far the best I have had before. Reviewed on: 11th April 2023

Happy I chose Zopa!

I’m not able to get some credit cards due to my credit rating but Zopa gave me a £500 credit limit & great APR rates straight away with no fuss, so I would highly recommend them if you want the best APR rates for a bad credit rating. Great customer service & App too. Reviewed on: 11th April 2023

Awesome company

Great App easy to manage.The application process was easy Reviewed on: 11th April 2023

Easy to use the app

The app is very easy to use and when you make a payment it clears straight away Reviewed on: 11th April 2023

Helped when needed.

It was simple to apply, really helped when needed. Reviewed on: 11th April 2023

Zopa credit card

Would highly recommend!!! Very affordable and excellent customer service! The app is also so easy to use. Brilliant for building bad credit! Very happy customer Reviewed on: 11th April 2023

Great card

Good credit card to use and very happy Reviewed on: 11th April 2023

My Zopa credit card

My experience with Zopa has been next to none! So simple and easy to get accepted and it has helped me gain my credit score right up! I’m very impressed and will continue to use the for as long as I need to. Reviewed on: 11th April 2023

Outstanding company

Always there to help quick and helpful responses Reviewed on: 11th April 2023

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