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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)

Great help

Helped me rebuild my credit rating when I needed most. Reviewed on: 21st February 2023

Recommend

Would recommend to friends, easy to use app, no trouble! Reviewed on: 21st February 2023

So easy to apply and use!

This card was incredibly easy to apply for, was approved quickly, the card came soon after! The app is so easy to use and keep up to date with and the updates on email are useful too. Reviewed on: 21st February 2023

Great

App is easy to use. And customer service is great. Reviewed on: 21st February 2023

Thanks

Thanks good company card.... I'm very happy Reviewed on: 21st February 2023

Excellent service

Everything is explained in full. App is easy to use. Fees are very reasonable. No problems at all. Definitely recommend Reviewed on: 21st February 2023

Great Zopa !

Enjoying the freedom of my Zopa credit card ! Thanks Zopa ! Reviewed on: 21st February 2023

its the best

i got a few credit cards but zopa is far better then others Reviewed on: 21st February 2023

100% Recommend

Great customer service and amazing and user friendly app. The process of requesting and receiving a Zopa card was super smooth and there is full transparency on monthly repayments. All in all, would 100% recommend! Reviewed on: 21st February 2023

Brilliant

Excellent credit card to have I would definitely recommend this card for building your credit and every day use Reviewed on: 21st February 2023

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