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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)

BrillIiant

Good rates, easy to apply and the app is great and easy to use Reviewed on: 21st February 2023

Excellent

Great card to help build my credit score Reviewed on: 21st February 2023

Excellent Service

They helped me to build my credit score. I'm very proud of them. Reviewed on: 21st February 2023

Very reliable and reasonable

My card is eay to use and the app is very easy amd helpful Reviewed on: 21st February 2023

Happy

Never had any issues with the provider or how I manage my account Reviewed on: 21st February 2023

Brilliant fed back always updates

Easy to use your kept updated easy app full of helpful tips Reviewed on: 21st February 2023

Easy to use and straightforward

Great customer service and easy to use app. Great rates and straightforward information. Reviewed on: 21st February 2023

Great

Very good product easy to use app Reviewed on: 21st February 2023

Good company and great customer service.

As per title. Just a smooth (and at the time) quick experience throughout. No need for lots of words here - just a very positive experience all round. Reviewed on: 21st February 2023

Credit limit too low

I have been using Zopa credit for almost a year and paying and clearing my balance every month most of times but my credit limit is not increased Reviewed on: 21st February 2023

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