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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)

Zopa is cool

A good credit card. The application process is quick and hassle-free. Easy mobile application. Reviewed on: 21st February 2023

Zopa is great and easy

Zopa is great and easy to work with. They have good credit limits and also good quality customer service! I would recommend highly! Reviewed on: 21st February 2023

Good credit provider

Zopa has been a really good credit card to use if I pay they show my balance update straight away as to opposed to other providers I use Reviewed on: 21st February 2023

Easy and user friendly

Easy to apply and easy to use, no surprises Reviewed on: 21st February 2023

Easy to use

Very easy to apply for the card and use Reviewed on: 21st February 2023

Accepts bad credit

Accepted with bad credit to build credit report Reviewed on: 21st February 2023

Instagram

Easy to use and lovely APR which makes it easy to pay Reviewed on: 21st February 2023

Awesome

It has exceeded my expectations Reviewed on: 21st February 2023

Amazing card and app!

Love the app and the credit card. It was fast and pretty strait forward process. Reviewed on: 21st February 2023

Amazing service

Great service, amazing app. Everything is user friendly Reviewed on: 21st February 2023

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