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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)

Excellent Zopa Service

Easy application, excellent App, regular updates, good rates no hassle credit card Reviewed on: 21st February 2023

Great company and great service

As above great company with great service Reviewed on: 21st February 2023

Great card backed up by great advice

My zopa card has allowed me to build my credit score whilst being backed up with an app that offers practical steps to continue that improvement. Reviewed on: 21st February 2023

Helpful credit

Easy credit lenders when you need them. Reviewed on: 21st February 2023

Great credit builder

Zopa is the quickest way to build credit and boost your credit score. Reviewed on: 21st February 2023

Amazing credit company

Low rate fees, customer service amazing, highly recommend Reviewed on: 21st February 2023

Great company!

Excellent service and very easy process. Would recommend the app also as helps with tracking Reviewed on: 21st February 2023

5 Star Company

Zopa really are a five star company to communicate with and I have always had the best customer experience with them. I would one hundred percent recommend them to family and friends as I have always had an amazing experience using them. Reviewed on: 21st February 2023

Simple & Easy

No faults found. Not alot more yo say. Reviewed on: 21st February 2023

Exceptional service

I have had my Zopa card now for around 2 years. My credit score was very low during my application but it did not stop Zopa helping me to increase this very quickly whilst using their credit card. The card itself comes with a set balance that you can’t exceed so you don’t fall victim to rediculous charges like other providers, which I unfortunatly have in the past. From very friendly on the phone service to an also very user friendly interface on the app, I have and always would recommend using Zopa for any of your credit card/loan needs as I haven’t looked back since starting! Reviewed on: 21st February 2023

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