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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)

Brilliant

Easy to use no hassle straight forward. The app is brilliant Reviewed on: 21st February 2023

Amazin

Simple and good to use always very polite and easy Reviewed on: 21st February 2023

It is there like a helping hand

A FRIEND IN NEED ZOPA IS A FRIEND IN INDEED, Reviewed on: 21st February 2023

The best credit card

I've had so many credit cards with reputed other lenders but Zopa is the one card with open and honest approach. It keeps all details simple and clear to understand. Affordable interest rates for credit builders too. Reviewed on: 21st February 2023

Great service

A great card and any problems I have had fixed straight away and also my credit rating has went up since using the card. Reviewed on: 21st February 2023

The best credit card o havre used

Amazing credit card.helps me on fay to day spending Reviewed on: 21st February 2023

Helped when needed

Having been stung with an unexpected bill, zopa were able to help me quickly and get me.back ok track. App is also very easy to use. Reviewed on: 21st February 2023

Good customer services

Service is very good and no delays when applying for a credit card Reviewed on: 21st February 2023

Would reccomend

A refreshing alternative that feels a bit more friendly Reviewed on: 21st February 2023

Great

Great service top rated i would recommend Reviewed on: 21st February 2023

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