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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

Zopa credit card is very easy to use the app is great no messing around everything is straight forward with nothing hidden and it alerts you as soon as you spend so you can keep track very pleased with the service provided. Reviewed on: 21st February 2023

Responsible lending

I’ve struggled with bad credit ratings since losing my business in 2009. After trying several credit cards I’ve found that Zopa are by far the most responsible lender and give advice all the way and never offer a credit limit which they aren’t extremely confident it is the right limit for your circumstances. The app is very easy to use and they don’t bump up the interest rates just because it suits them! Yes they increase in line with the BOE base rates but they won’t just increase because they can squeeze more money out of you like many other credit builder cards Reviewed on: 21st February 2023

Great card, easy to manage

Been using Zopa credit card for about 5 years and its been great for all those costs that come from no where. Easy to use and easy to manage Reviewed on: 21st February 2023

Reliable and easy to use

Zopa app is very easy to use and helpful! Reviewed on: 21st February 2023

Great Company

5/5, never had an issue with Zopa and it's helped me manage money better. Reviewed on: 21st February 2023

Great credit card

Perfect credit card to help build my credit good credit limit keeping within what I can afford Reviewed on: 21st February 2023

Great card!

Easy to access, great ppportunity Reviewed on: 21st February 2023

Friendly and professional

They were great to talk to polite and friendly no always putting you first thank you would recommend family and friends Reviewed on: 21st February 2023

Help with credit score

Applied for a credit card to help improve my not very gods credit score. The app is brilliant and I can see what I have spent and make payments with ease. Reviewed on: 21st February 2023

No fuss, easy life

Great service, fast customer response and faultless on the go app access. ⭐️⭐️⭐️⭐️⭐️ Reviewed on: 21st February 2023

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