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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 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 (44347)

Great credit!

Stress free credit! The app makes things so easy! Reviewed on: 21st February 2023

Highly recommended

Great customer service. Good rates. Highly recommended. Reviewed on: 21st February 2023

Great company

Zopa are a really great! Very professional, very understanding and excellent customer care, especially during my time of ill health recently, thank you for being a compassionate bank. Reviewed on: 21st February 2023

Great card !!!

This card is the best in overall , helped me with my credit rating !!! Always giving easy and quick answers to every question !!! I would definitely give this service provider 100% for everything they do for their customers, thank you Zopa !!! Reviewed on: 21st February 2023

Friendly, open and helpful

My experience with Zopa has been much better than expected so far. They are friendly and helpful while being open about what I can do to improve my credit. Reviewed on: 21st February 2023

Great Credit Card

Recommend the Zopa Credit Card . It’s great Reviewed on: 21st February 2023

Great support / great app

Keeps you informed about finance, what's avaliable, how to improve finances, extra . App is great. Reviewed on: 21st February 2023

Excellent product

The best credit card around and Zopa have excellent customer service can’t fault their staff they go above and beyond Reviewed on: 21st February 2023

Zopa credit card for improving credit score

I got a zopa credit card to help improve my credit score after my divorce . Ex left me a lot of debt. The app is so easy to use. And my credit score is improving all the time. Reviewed on: 21st February 2023

Easy application low interest rate.

I have been very happy thus far with my Zopa credit card. I like the ease of having the app and being able to access my account 24/7. I also like the use of the buffer therefore not overspending. I have a good interest rate and I was pleased with the easy application process. Reviewed on: 21st February 2023

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