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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)

The best

I have a great experience with them . Reviewed on: 11th April 2023

Great for building credit

Easy flexible to apply and got a manageable pay back Reviewed on: 11th April 2023

Easy and straightforward

Easy and straightforward process from the beginning, app shows payment options very easy to navigate and quick ways to make a payment Reviewed on: 11th April 2023

Simple and straightforward

Simple and straightforward. Would recommend the product with absolute comfidence Reviewed on: 11th April 2023

Great

Great for building credit score Reviewed on: 11th April 2023

the best

zopa is the best credit card I have ever seen. keep it up guys. Reviewed on: 11th April 2023

10/10 easy to use. No issues

10/10 easy to use. No issues. Easy to communicate to aswell Reviewed on: 11th April 2023

Life-Saver

For those whose credit may not be the greatest and struggle due to bad credit, ZOPA is your friend. This has allowed me to sort of my finances and have insurance incase i need to dip into my credit. Reviewed on: 11th April 2023

EASY TO APPLY

THE WHOLE PROCESS WAS EASY FROM START TO FINNISH Reviewed on: 11th April 2023

Customer Focused

Easy to use with customer put first. Immediate purchase notification to your phone with remaining balance available. Reviewed on: 11th April 2023

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