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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)

Very easy very good very clear

Straight forward an a good rate which is brilliant for a credit card Reviewed on: 21st February 2023

Amazing

I'm seeing improvement of my credit Reviewed on: 21st February 2023

Great provider!

I have a personal loan and credit card through Zopa. I’ve never had any problems! Reasonable interest! Highly recommend Reviewed on: 21st February 2023

Helped me get on track

I struggled to get any firm credit for a long time due to issues with finances I made as a younger person. Zopa took a chance and I'm thrilled they did! Reviewed on: 21st February 2023

Honest

Upfront and honest. Only ever offer relevant products that may be if benefit to customers. Reviewed on: 21st February 2023

Excellent bank

Easy to use, friendly knowledgeable staff and quick responses when emailing Reviewed on: 21st February 2023

Excellent Company

Excellent customer services who go above and beyond to help. Always keep you updated, first class communication Reviewed on: 21st February 2023

This card is a lifesaver

My credit score isn't good due to past issues but Zopa looked past that and issued me with a card. The app to keep check on my spending plus ensure I make payments on time and keep an eye on my current score is brilliant. Its so easy to use. Reviewed on: 21st February 2023

My Zopa

Very good card company helpful very professional and very helpful would recommend Reviewed on: 21st February 2023

Excellent service

I enjoy using the app and excellent service Reviewed on: 21st February 2023

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