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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Easy to use/manage Credit Card

Easy to manage Credit Card using the App. All the important information required to manage and pay credit card balance is on the App - very helpful. Reviewed on: 11th April 2023

Fantastic and honest

An absolutely amazing and honest company to be with. Reviewed on: 11th April 2023

Overall Good Service

I have just was looking in my credit Experian site and I saw Zopa there. It was cheap rates than any other cards I gone ahead with it. Started to use it. Professional application on Apple. Easy and clearly to use. Thanks Zopa. Reviewed on: 11th April 2023

Great Company

Very polite service and website really easy to use Reviewed on: 11th April 2023

Great credit card to have a People with bad credit?

Zopa it’s a great company that takes a chance and people with bad credit. I have just recently came out of an IVE and super give me a credit card to help boost my credit limit and it has worked great every month. I see my credit going up I would definitely recommend this company. It has an easy app on my phone where I can pay my payments no hassle I deafly recommend them Reviewed on: 11th April 2023

Helpful and easy to deal with

Zopa are very helpful when it comes to customer service, they get back to you promptly. Website is easy to manoeuvre through generally had good experience with them Reviewed on: 11th April 2023

Great

They are very good and helpful . easy to use and have lots of updates.app is very good and easy to use Reviewed on: 11th April 2023

Credit card

Easy to apply and the app is really informative and straightforward. Helpful credit report info and updates too. Reviewed on: 11th April 2023

Quick, easy and simple

Zopa has been nothing but a great company to put my trust in. When a slight issue came up on my own part with an address change, they were polite, quick and very helpful in getting this resolved. I’ve had nothing but great experiences with them from the helpful emails and notifications about my account and a quick payment system. Truly a wonderful company that I would recommend highly and are very deserving of being the best bank. Reviewed on: 11th April 2023

Zopa is the best credit card I've ever had.

Zopa approved my credit card application and in no time i had my card with the funds available in it. Their app is easy to use. I'll recommend everyone who is looking for a great credit card to try and turn to Zopa. They are the best. Reviewed on: 11th April 2023

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