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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)

Helpful card

Very helpful and good rates to pay back, also very fair Reviewed on: 21st February 2023

Easy to use and good service

I found this a very good service and simple to use Reviewed on: 21st February 2023

Greatest and best

Most conscious and customer dedicated company Reviewed on: 21st February 2023

Easy to Apply and Use

Easy to apply, clear terms and conditions, good deals. Good buffer system on card so can put some aside for a rainy day. Good app Reviewed on: 21st February 2023

Service

Excellent service, good for credit building and good for youngsters to improve credit rating Reviewed on: 21st February 2023

Outstanding

I loved this card when on a family holiday. My wife’s bag got stolen with our cash in it and so we just used my Zopa credit card for the rest off the holiday. It was great Reviewed on: 21st February 2023

A credit card reinvented

Love the Zopa App and experience. Clear and concise with a modern feel and connected information. Reviewed on: 21st February 2023

Credit building life line

My credit rating was poor, luckily i was able to apply for a Zopa credit card. I use it and pay more than the minimum balance and my credit rating is improving every month! Thank you. Jason Floyd Reviewed on: 21st February 2023

Easy, simple

Good interest rates, really clear and easy App Reviewed on: 21st February 2023

Great company!

Always provide a great service and always very helpful and friendly. Fantastic company. Reviewed on: 21st February 2023

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