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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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)

Good service

Good fast service from application to receiving the card! Reviewed on: 21st February 2023

Easy to use

Best thing that once you pay any amount you get instant credit. Reviewed on: 21st February 2023

Super Duper

Love my credit card so very much Reviewed on: 21st February 2023

Always there

Use my zopa for emergency and I am grateful for it Reviewed on: 21st February 2023

Great company to deal with

Responsible lender love the borrowing power score they look at your individual circumstances. Great app too. Reviewed on: 21st February 2023

Simply excellent

Love the credit cushion feature and the app is brilliant! Reviewed on: 21st February 2023

BASIC CREDIT CARD

Zopa is a basic no frills credit card. Everything updates quickly. Payments onto card are instant which helps. Lots of other aspects as well, like credit rating and loans. All in all I'd very much recommend this card. Reviewed on: 21st February 2023

Fantastic Company

I've found this company really easy to deal with, it's esay to make additional payments when you need to. Reviewed on: 21st February 2023

Great help

Easy to apply to Improved your credit rating Reviewed on: 21st February 2023

Great & simple to use

Great credit card to have, easy application process, handy app had no issues. Reviewed on: 21st February 2023

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