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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)

Easy to apply and easy to understand

This have been a brilliant first card and having no problem Reviewed on: 22nd February 2023

Very easy to use and they explain things clearly

Exactly as the title says. The service is great and they always keep you informed Reviewed on: 22nd February 2023

Thankyou zopa!

We were struggling with a 2 year old and bills so needed a little extra help! Zopa has flown in and saved the day! I accessed the money instantly and I'm able to manage my account so easily with the app! They keep me informed by email and text about information I need to manage my payments and money I would highly recommend Reviewed on: 22nd February 2023

Excellent

Never had an issue with this lender Reviewed on: 22nd February 2023

Top Credit Card

I would Zopa credit card to anyone. It has been my lifeline. So easy to use and the operators are so helpful and friendly. Reviewed on: 22nd February 2023

Amazing

Straight forward friendly team. Reviewed on: 22nd February 2023

Great Service

Great Service, simple & quick to use Reviewed on: 22nd February 2023

Brilliant service

The CX so far with Zopa has been clean, easy and reliable. Helping someone like me with a poor credit score to attain credit and slowly build from my previous mistakes Reviewed on: 22nd February 2023

Satisfaction

Never had any problems with easy to use and make payments Reviewed on: 22nd February 2023

Designed around the customer

I've found the whole process so straightforward from application to monthly management. Everything can be managed from the app which is so helpful for the customer. Reviewed on: 22nd February 2023

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