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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)

Never the issue

I am Zopa's customer for quite a while now and always used it via app. It's incredibly easy for me that way. I can monitor my payments in and out and also access other services. I hadn't had any issue at all so far. Would definitely recommend it to anyone. Reviewed on: 21st February 2023

Satisfied Customer

Good Customer Service, Super-Fast-Balance Up-Dating, Would Recommend, Great Card Reviewed on: 21st February 2023

Brilliant

Easy to manage, great customer service! Reviewed on: 21st February 2023

Very good card provider

Very good company to have as a card provider and very helpful Reviewed on: 21st February 2023

Good card to build credit

Chose this card to help improve my credit score so far its gone up 25 points Reviewed on: 21st February 2023

Easy to use

As a first credit card, zopa is stress free and incredibly easy to use i would recommend to anyone. Reviewed on: 21st February 2023

Dependable

Very good company great customer services Reviewed on: 21st February 2023

Simple

Very simple application and very easy app to use Reviewed on: 21st February 2023

Brilliant & Easy

Zopa offered me my credit card with the limit I asked for and the APR, despite my young age Reviewed on: 21st February 2023

Zopa has been very helpful

Zopa is a useful and helpful credit card and it helps me monthly Reviewed on: 21st February 2023

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