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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Zopa is the next best up and coming credit card on the market

Zopa is the next best up and coming credit card on the market Reviewed on: 6th March 2023

Zopa Credit Card Review

Zopa has been an absolute blessing to have as a credit card. It allows me all sorts of options and to change my pay date whenever i want to. It allows me to buy things i wouldn’t be able to without it and builds my credit score each day. Zopa sends me regular emails and notifications to remind me of other benefits I can have. Reviewed on: 6th March 2023

Great card

Applied on line and got a decision within minutes, great card for credit building, the app is excellent to use and simple to understand, definitely a 10 out of 10 Reviewed on: 5th March 2023

Zopa is the best card ever

I use easy about the shopping ATM CONTACTLESS PAYMENT. Reviewed on: 5th March 2023

Quick, simple and fair.

I was really impressed by the quick initial assessment process and the simplicity and clarity of the whole procedure, not jargonistic and much more layman terms. The mobile app is all very user friendly and a fantastic interface. The credit limit is fair and unlike other credit cards for the sub prime cohort, Zopa don't throw money at you as soon as you clear your credit Reviewed on: 5th March 2023

honest

zopa keeps me honest , when other credit companies are throwing offers at me zopa hasent it made me work for it , check my balances regulary, keep on top every month, then and only then do they offer you something, that is what someone like me needs Reviewed on: 4th March 2023

Service

Great customer service I really like it Reviewed on: 4th March 2023

Customer service

Always there to help on the phone Reviewed on: 4th March 2023

Perfect Card with Realistic Limit

Don't give an extortionate credit limit to start off. Manageable expectations Reviewed on: 4th March 2023

Great service

Zooa offer great service for customers with easy to manage app that allows you to keep track of your spending easily Reviewed on: 4th March 2023

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