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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)

Easy to use, best credit card ever

Simple to use. Not abused with crazy interest rates like other cards. Reviewed on: 21st February 2023

Great service

I needed a little help getting a credit card with a low credit limit to help build up my credit score. Very please with the t&c's, app and customer service. Thank you Zopa. Reviewed on: 21st February 2023

Easy to deal with

In app is easy and straightforward to use Reviewed on: 21st February 2023

Zopa - Just love them

No fuss or frills just honest app and fantastic customer service Reviewed on: 21st February 2023

Excellent Credit Card

ZOPA is one of the best customer friendly creditors I have ever had. They are mainly for bad credit. But since using and having fell into awkward times financially, missing a payment or going over my limit incurs no fees. Unlike other major credit cards that will charge you a flat fee putting you in a spiral of debt if you're not in a high financially state. Reviewed on: 21st February 2023

Taip rekomenduojama

Zopa kreditine kortele yra labai gera... Reviewed on: 21st February 2023

Top Class

Great company, transparent and very easy to deal with. Reviewed on: 21st February 2023

Easy credit card app

The credit card app is easy to use, its understandable and its really for everyone as its not complicated. Reviewed on: 21st February 2023

Easy

Easy to use and track my money Feel safe using the app and card Helps me manage finances Reviewed on: 21st February 2023

People protectors

Will never leave zopa the support and notifications alerts help they give us non biast and second to none this company cares for its customers and deserves to win with honours. Reviewed on: 21st February 2023

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