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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)

Great company, great deals

Zopa is easy to apply for &set up a direct debit. I'd recommend thus company highly Reviewed on: 22nd February 2023

Happy

I’m very happy with my Zopa credit card Reviewed on: 22nd February 2023

Amazing easy app

Low interest and really good service and are very efficient and quick with any type of service Reviewed on: 22nd February 2023

Foundation for Credit Building

Having great credit in a foreign country was irrelevant when moving to the UK. I struggled to ‘rebuild’ and establish my credit and Zopa was the first card I got. I could not put have built my credit again so easily had it not been for their service. Great app, easy payment, the company is great and I highly recommend their credit card for anyone in a similar position. Reviewed on: 22nd February 2023

Great so far

So far zopa has been fantastic. Very helpful app and very helpful staff on the phone. Reviewed on: 22nd February 2023

Wonderful Zopa

I have had my card for some time now and find it easy to use, no jargon language. Plain and simple. Thanks Reviewed on: 22nd February 2023

Ease and convenience

Great card to carry. Easy to apply for, good rates of acceptance and interest. Wouldn't be without it! Reviewed on: 22nd February 2023

Excellent/manageble/and easy to use

The ability to set a limit on your credit card really helps you budget and save better. Reviewed on: 22nd February 2023

Excellent

Excellent service,easy to use app and much better service than some of their competitors I've used. Reviewed on: 22nd February 2023

Mr

They have helped me out when needed Reviewed on: 22nd February 2023

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