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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 card

I had an issue Zopa we’re very professional and help me sort my issue I wish apr was less and I was able to raise balance but good service over all thank you Reviewed on: 21st February 2023

Credit

Zopa offered me a card after I was refused elsewhere and I am eternally grateful for that Reviewed on: 21st February 2023

The best credit card I ever have

Very fer to pay, great online app, veery easy to download and use. My best credit card Reviewed on: 21st February 2023

Excellent card

Really easy to apply and be accepted Reviewed on: 21st February 2023

Happy

I am happy with the Zopa services Reviewed on: 21st February 2023

Great Card

Love how you can make a payment and it is deducted straight away so you can see what’s left. Reviewed on: 21st February 2023

Credit without the crunch

Easy to work with, no jargon. Very useful app. Always in control. Reviewed on: 21st February 2023

Credit building

Great credit card for rebuilding your credit score. Great interest rates and the app is so easy to use. Reviewed on: 21st February 2023

Excellent

Excellent service, good company communication Reviewed on: 21st February 2023

Very reliable

In the time i’ve had it my Zopa card has been reliable in every situation. Would recommend. Reviewed on: 21st February 2023

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