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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 product

App is so easy to navigate. Payments are instant. Overall a great experience Reviewed on: 21st February 2023

Happy

Mycredit is not good so I was glad to find out I old get credit card with Zopa and I'm happy with it. Hoping to build up my limit and my credit! Reviewed on: 21st February 2023

Great card , sweet app

The title says it all really , the card has a god limit and the app works consistently. There are no downsides to the card/app whatsoever. Reviewed on: 21st February 2023

Zopa loan

Friendly team transparent user friendly app Reviewed on: 21st February 2023

Really simple to apply

Really easy to apply and the app is really easy to use too. Reviewed on: 21st February 2023

Great service

The app is really great for keeping on top of your finances. Reviewed on: 21st February 2023

Very clear, fast application and app

From the get go, Zopa understood my needs and were very facet in setting up account. Very clear app with options of credit cushion so no over spending. Reviewed on: 21st February 2023

Perfect service

As someone with a mediocre credit score I was accepted . This was perfect for me Reviewed on: 21st February 2023

Best experience and quite happy

I have been using multiple credit cards. But this card is simply awesome when compared with others. Happy using since last 4 months. Reviewed on: 21st February 2023

Great

Very well updated and help with payments Reviewed on: 21st February 2023

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