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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)

Quick and easy

Quick and easy to apply app is really easy to navigate Reviewed on: 16th January 2026

I like Zopa as it’s helping me to rebuild my credit...

I like Zopa as it’s helping me to rebuild my credit score Reviewed on: 16th January 2026

Zopa credit card is an excellent

Zopa credit card is an excellent Reviewed on: 16th January 2026

Has helped in having piece of mind

Has helped in having piece of mind Reviewed on: 16th January 2026

They are very helpful and easy to deal wit.

They are very helpful and easy to deal wit. A good company I would recommend. Very good in communication Reviewed on: 16th January 2026

I love the app on my phone and every time I spend on...

I love the app on my phone and every time I spend on my card it pings me to let me know what I have spent and what’s left Reviewed on: 16th January 2026

Very satisfied with the using the card.

Very satisfied with the using the card. Very easy instructions. Reviewed on: 16th January 2026

Different

Different way of doing things but it works well Reviewed on: 16th January 2026

Quick approval able to set certain amounts of direct...

Quick approval able to set certain amounts of direct debit so you know it’ll always be paid and over the amount you can also defer it to minimum payment if short a certain month would recommend and have done so Reviewed on: 16th January 2026

Efficient and reliable .

Efficient and reliable . Good communication Reviewed on: 16th January 2026

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