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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)

Very fast transactions and low fees

Good for credit build and for those who have low credit score Reviewed on: 21st February 2023

Best Credit Card

Zopas credit card is easy to use in the U.K. and abroad. Reviewed on: 21st February 2023

Brilliant

Such a easy company, the app is really easy to use Reviewed on: 21st February 2023

Amazing customer service

Very understanding, when I was between 2 jobs and had to change the repayment date Reviewed on: 21st February 2023

Excellent credit facility

Very satisfied with Zopa on a whole Reviewed on: 21st February 2023

Great card with good customer service

I found the application process really straightforward and the customer service very good. Would happily recommend. Reviewed on: 21st February 2023

Simple works

There product is simple, no fuss with good customer services Reviewed on: 21st February 2023

Good credit builder card, user friendly

Card came quickly and easy to use the app and card Reviewed on: 21st February 2023

Highly recommended

Excellent customer service support.Had a emergency and wanted a flexbile payment plan.Zopa understood my situation and helped me during difficult time. Reviewed on: 21st February 2023

Amazing

Best credit card out there! With the fastest costumer service. What more could you want?! Reviewed on: 21st February 2023

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