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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)

Great flexible card

This card allows you to grow your credit report with safe measures in place and the only card that lets you set a credit buffer to prevent going over your limit and prevent unnecessary fees. Reviewed on: 21st February 2023

Great service, east to work

Great card, good easy service, with helpful tools and guidance. East to manage and stay on top of Reviewed on: 21st February 2023

excellent service and great app

small hiccup at the start, but since then amazing app ans service Reviewed on: 21st February 2023

Easy peasy

Great app and easy admin process Reviewed on: 21st February 2023

Great app and customer support

I am so pleased with Zopa and their services. The app allows you to have a detailed overview of your account and they offer constructive advise on how to improve your credit score. Highly recommended!!! Reviewed on: 21st February 2023

Fab company

No issues at all with zopa straight forward banking Reviewed on: 21st February 2023

Great service an information

Having been looking for a credit build card, I found the service and information that comes with a Zopa account above and beyond what you’d normally get! Lots of useful tips and information Reviewed on: 21st February 2023

Great support

Zopa has helped me and supported me to build my credit score. Always on hand to offer advice and guidance Reviewed on: 21st February 2023

Excellent company!

A company that trusts its customers! Reviewed on: 21st February 2023

Great credit card and online features

Very transparent with terms. iPhone app is the best I have experienced. Reviewed on: 21st February 2023

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