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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)

Payments

Payments are instant and easy to make Reviewed on: 21st February 2023

Great card

Did what it said on the tin. Helped boost my credit score by having a card Reviewed on: 21st February 2023

East to use

No fuss or bother, good credit limits, good comms Reviewed on: 21st February 2023

Great provider

Zopa have given me the opportunity to help my credit rating Reviewed on: 21st February 2023

Best Credit Card on the Market for Me

Really happy with Zopa, everything is explained in a plain & simple manner that I can understand, the app is excellent for checking your balance, spending etc. In my eyes it's the Best credit card on the market especially for me & wouldn't hesitate to recommend it to friends & family. Reviewed on: 21st February 2023

Easy peasy

A company who cares more about the person rather than the customer. Easy to apply and easy to maintain. Reviewed on: 21st February 2023

Never had any problems

Pretty good credit card, far better than the other low credit score cards Reviewed on: 21st February 2023

Great company best rates.

very satisfied with zopa finicial services. Reviewed on: 21st February 2023

Great company

Easy to use nice card simple app with everything explained!! Reviewed on: 21st February 2023

Straight forward credit

Easy app, no hassel or hidden charges. Highly recommended Reviewed on: 21st February 2023

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