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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)

Super easy and straightforward

Zopa is fabulous offering, super easy and straightforward to set up with clear direction, details and easy navigation. Highly recommended!!! Reviewed on: 21st February 2023

Best credit card

Easy and simple to use, it’s straightforward to make extra payments and keep a check on your spending. Reviewed on: 21st February 2023

Great card

Great card easy to use app just couldn’t get any better Reviewed on: 21st February 2023

Great

Really user friendly app that includes borrowing power and credit score Reviewed on: 21st February 2023

Really good company

Really good not that much interest Reviewed on: 21st February 2023

Hassle Free

Very easy to use and very safe, the customer service is very helpful. I would recommend. Reviewed on: 21st February 2023

Excellent

Good experience. Kept upto date with any issues or changes to.my account Reviewed on: 21st February 2023

Very easy and convenient

I love using Zopa because it’s one of the first of its kind. To contact someone you can go on the app and conveniently do anything you need on web chat. And when you make a payment towards your balance it updates immediately so you can keep better track of your balance. Reviewed on: 21st February 2023

Is fantastic

The credit card help me very much to build my creditscore Reviewed on: 21st February 2023

Great service

I was a beginner and have been using my zopa credit card to improve my credit score and so far doing great with it ;) Reviewed on: 21st February 2023

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