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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)

Fantastic

Great credit card. Easy to add to iphone Reviewed on: 21st February 2023

Great

Great value easy to do the paperwork Reviewed on: 21st February 2023

Simple and easy.

Great for building credit rating easy to use and reliable App. I really like the emergency credit buffer which keeps some credit in reserve just in case. Reviewed on: 21st February 2023

Very straight forward

Has helped me build my credit score Reviewed on: 21st February 2023

Really good service

ZOPA really helped me with obtaining a credit card and there customer service is excellent! Reviewed on: 21st February 2023

Easy to use

Zopa are amazing they make using the app very easy to use as well as they give you helpful tips and warning if ever needed, overall amazing to be with Zopa Reviewed on: 21st February 2023

Favourite review

Zopa credit card is straightforward when applying for. I especially like payment system which is efficient, easy and quick. Reviewed on: 21st February 2023

Good service

Easy app to use and helped me with my financial difficulties Reviewed on: 21st February 2023

Best Credit Card

Everything about Zopa is first class consider applying as you won’t be disappointed with the service and the cards yse Reviewed on: 21st February 2023

Best credit company

I love this card because easy app and correct company! Reviewed on: 21st February 2023

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