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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)

Great credit card

Great credit card, had no issues with the card at all. Low interest rates! Reviewed on: 21st February 2023

Just a good service throughout

I feel confident that they are working for my best interest Reviewed on: 21st February 2023

Good provider

Easy to use and has a great app always receive messages to let me know when debit is due Reviewed on: 21st February 2023

Great experience

So far so good, ive had zopa for a few months and its very easy to access and is perfect in the time of need Reviewed on: 21st February 2023

Great For Credit Building

Zopa has been great for working on building on my credit rating. My only criticism is that their credit rating they provide in-app is way off the mark when compared with Experian, TransUnion etc. for instance I am 200 points lower in Zopa than I am in all major aggregators Reviewed on: 21st February 2023

Below average credit card

High interest rate, low credit limit, no interest free buying facilities, no zero percent Facility, no free airport lounge Reviewed on: 21st February 2023

Excellent company

Obtained a credit card from Zopa. One of the best companies I have ever dealt with Reviewed on: 21st February 2023

You've tried rest now try best

Not just a credit card company reminders when bills due Easy user friendly app With other saving options with great rates Highly recommended Reviewed on: 21st February 2023

Excellent service

Excellent service and credit card Reviewed on: 21st February 2023

Great service

Zopa has been very good to me and helped me big time in my time of need. Their customer service and support is quick and effective Reviewed on: 21st February 2023

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