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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)

Simple and easy

Simple to use my account and the app makes it easy to track and may payments. Really happy Reviewed on: 21st February 2023

First credit card since competing my via. On my way to repairing my credit score :)

After competing my IVA. Experian recording Zopa. As a first card to get. So far it has helped me repair my car, buy train tickets and that sneaky birthday present for the wife. Easy to manage with the app. And customer services are great to talk too. Thanks guys! Reviewed on: 21st February 2023

Great company

Zopa credit card has been brilliant for me building my credit score and the app is so easy to use Reviewed on: 21st February 2023

Pab

Amazing Reviewed on: 21st February 2023

One of the fastest systems

The best in terms of updating balance and make it back available to you. Quick and easy apply as well as managing. I've told my wife to apply for a Zopa card as is effective for daily use. Reviewed on: 21st February 2023

Excellent choice

Great approval rates and good interest rates Reviewed on: 21st February 2023

Awesome

Excellent credit card highly recommended Reviewed on: 21st February 2023

Excellent product and service

Zopa are always up front and available to help and I have always been happy with the card Reviewed on: 21st February 2023

Excellent & Flexible

Had mine for a little while now & is very easy to managed user friendly soo & very flexible! Reviewed on: 21st February 2023

Best card I have ever had

Being somebody of not a great credit rating this card is perfect. Not only was the process so easy the interest rate is superb. The app is so easy to navigate and would definitely and have recommend Zopa. Reviewed on: 21st February 2023

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