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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)

Good credit card

Really good, really helpful, got no complaints Reviewed on: 21st February 2023

Brilliant app

Brilliant app handy when I’ve forgotten my on. Which lets face it happens too often but friendly customer service too Reviewed on: 21st February 2023

Excellent service

I've nothing but a great experience with zopa would recommend to anyone. Reviewed on: 21st February 2023

Amazing

App really easy to use and always helpful info Reviewed on: 21st February 2023

Brilliant card

So easy to use and the app lets you manage everything. So pleased with my card Reviewed on: 21st February 2023

Great card - user friendly

I was offered the card to help build my credit score that was very low a few years ago and this card has helped build it up to an excellent overall score. Great card and user friendly app Reviewed on: 21st February 2023

Easy

Easy to use and helpful. If I need to ask questions they are quick to respond Reviewed on: 21st February 2023

Wonderful

I am new to using Zopa and have nothing but good things to report on. The communication between Zopa and customers is fabulous and their customer services have been a great help! Reviewed on: 21st February 2023

Great credit builder

I had a poor credit score for most of my early adult life and it came a time to start working on it. After being knocked back by all major credit companies, I found Zopa. Zopa made it quick, easy and simple for me to not on find and apply, but to be accepted for a card that helped me massively improve my credit score and regain some independence. Rates are great and the app is fantastic. I would and have recommended Zopa to friends and family. Reviewed on: 21st February 2023

Easy peasy lemon squeezey

Very simple process to apply and download the app,easy to manage, if your looking for a simple credit card … then i highly recommend Zopa! Reviewed on: 21st February 2023

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