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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)

Easy

Easy to apply, easy to use, easy navigable app. Reviewed on: 21st February 2023

Zopa is very useful and helpful

I really appreciate to zopa this one is very helpful in critical condition Reviewed on: 21st February 2023

Amazing customer care and hassle free credit card process

I was a little reluctant at first to get a credit card from Zopa but how wrong I was. The application process was straight forward, the customer care was amazing and the rates were just right. I would recommend Zopa anyday as my experience has been nothing short of amazing! Reviewed on: 21st February 2023

Great card for me.

Has been an excellent card for me, as someone with a current poor credit rating. Reviewed on: 21st February 2023

Mr Gilani

Best credit card with low interest charges and no hidden charges as well Reviewed on: 21st February 2023

Life Saver

Zopa came into my journey when I was experiencing so much rejection and gave me a lifeline, I've been given an opportunity to address my credit issues, by a safe provider who will not give for giving sake but tailored to individual needs, I'm still a work in progress but would not have come this far without Zopa at my side. Reviewed on: 21st February 2023

Easy of access

Ok got the card easily and the app on is clear and easy Reviewed on: 21st February 2023

Life saver

This credit card has been the best one I’ve had the repayments are affordable Reviewed on: 21st February 2023

Mr Imran Khan

It’s not a good card don’t give any facility even I am using it last 2 to 3 years it very bed broker card they think about only their pocket my opinion don’t get card like it or same thanks bye Reviewed on: 21st February 2023

Great company

Great credit card and company easy to deal with and access details Reviewed on: 21st February 2023

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