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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)

Good quality service

The service is great very easy to use app Reviewed on: 22nd February 2023

Good credit card let's you use sensibly

Great company to deal with let's you spend sensibly Reviewed on: 22nd February 2023

Easy and simple

Easy to apply and simple to use!! Good to build your credit score, love my Zopa already!! The app is easy to navigate too which is good and the card looks and feels great Reviewed on: 22nd February 2023

Perfect service

Always txt when you spend. Always email and keep informed. Very professional. Reviewed on: 22nd February 2023

Zopa always helps me in emergency

I like zopa , i want to thankfull and appreciate to the zopa who trust us and allowed us a credit card which helps in trouble and emergency Reviewed on: 22nd February 2023

Nice app

Zopa is my first credit card. I started with a low limit and my limit gets higher as I use it. Thank you. Reviewed on: 22nd February 2023

Great

Zopa has given me a great service and if you are slightly over your credit limit you don't get bombarded with emails, texts,phone calls like you do with other credit card companies your give chance to get your account back within your credit limit. Excellent all round Reviewed on: 22nd February 2023

Superb

Great customer service and easy to navigate app Reviewed on: 22nd February 2023

Best card ever!

I love everything about zopa low interest good for people with bad credit like me affordable payments and to top it off amazing customer service! Reviewed on: 22nd February 2023

Fantastic customer service

Easy app to use, sensible manageable credit limit and good customer service whenever I’ve had to contact them. Reviewed on: 22nd February 2023

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