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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)

Amazing

Got accepted quickly and good easy app to work with Reviewed on: 21st February 2023

Credit Card

I have found this card to be useful, as it is widely accepted. Also, I've had no issues with repayments via the portal. Furthermore, any issues I've had have been dealt with promptly, and resolved just as quickly; I had some financial issues and Zopa allowed me to defer a payment with a promise to pay and I did not incur any extra interest as they froze it temporarily due to my circumstances. Reviewed on: 21st February 2023

Best credit card I own .....

Been with zopa just over a year, started with £400 credit, they put up to £1100....I love how easy it is to keep track with a great App that makes it easy for older people to understand.... Reviewed on: 21st February 2023

Zopa is the best credit card

It helped me build my credibility and zopa team is always helpful for the smallest doubt you have. Thank you for the support. Reviewed on: 21st February 2023

Seamless ... easy ... fresh

No quibbles .... helpful ... listening ears Reviewed on: 21st February 2023

A helping hand

This service help me alot with my finances which i needed and for that i will be forever grateful Reviewed on: 21st February 2023

Excellent app

Great credit card and app. Very easy to build credit and keep eye on finances / offers. Reviewed on: 21st February 2023

Credit card

Best card out there. Using the app is so easy. Reviewed on: 21st February 2023

Amazing customer services and amazing credit card

I have a credit card for a while and I have never had any problems with them very helpful team and always there to help as much as they can Reviewed on: 21st February 2023

Great credit provider

Very useful and fresh design. Easy to use and helpful support Reviewed on: 21st February 2023

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