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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 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 (44348)

Great customer service

I've had problems with my bank and they've help resolving the issue Reviewed on: 21st February 2023

Best customer service

It’s help me to build my credit score Reviewed on: 21st February 2023

Brilliant

Brilliant company so helpful and supportive I have told all my family and friends how good Zopa are Reviewed on: 21st February 2023

low credit limit, high interest.

paying balance off monthly and using a low balance percentage doesn't improve your borrowing power it seems. Not a useable product, better options available. Reviewed on: 21st February 2023

Perfect start to getting you back on your feet

Easy to apply. Sensible first usable credit limit. Great tools in the app. Couldn’t think of any ways to improve your experience! Reviewed on: 21st February 2023

Efficiency and simplicity

I have been delighted with the straightforward and efficient service from zopa. Their app is easy to use and gives me all the information I need. Reviewed on: 21st February 2023

Too provider

Incredible service and flexible credit card - a favourite and recommend to family and friends! Reviewed on: 21st February 2023

Best card

Help me to rebuild my credit thanks Reviewed on: 21st February 2023

Simple account and not sharks

A great app, well controlled for spending and they don't give a ridiculously unaffordable credit limit. Lots of additional information on your credit position and great support. Reviewed on: 21st February 2023

Helpful friendly staff

Spoke to a member of staff my card wouldn’t work, stayed on the line until I had solved the problem really friendly Reviewed on: 21st February 2023

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