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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)

Simple and rewarding

Helping me build my credit report back whilst I’m struggling with debt and so transparent on what I’ve got to do. Lots of help. Reviewed on: 21st February 2023

Amazing credit card

This credit card is amazing, does exactly what it says. Payments are received instantly and every once in a while you will receive a credit increase (if you are sensible). Never had any problems Reviewed on: 21st February 2023

Blocked card

My zopa credit card was blocked due to my own mistake, with the use of the zopa app I was able to unblock my card ,by following a few easy steps, on the app. I did not have to contact the company because everything was explained in the app. Reviewed on: 21st February 2023

Very easy to use app

Yoga was easy from application easy to use app easy to make payments to your card keep you well informed about everythin Reviewed on: 21st February 2023

Very easy

Very easy to navigate the app. Good for people who starting to build their credit Reviewed on: 21st February 2023

Great company

Good customer service and easy app Reviewed on: 21st February 2023

Helped when I needed it most

Zopa approved me with a terrible credit rating and is helping me rebuild my credit rating Reviewed on: 21st February 2023

AMAZING SERVICE

Really helpful, easy and simple to use in an every challenging financial environment Reviewed on: 21st February 2023

Excellent service

Received my credit card within days . Very easy to set up . Always use in an emergency . Reviewed on: 21st February 2023

Idiot Proof Easy to use

I have found the Zopa app one of the easiest and most simple to use as an older person it is great for me Reviewed on: 21st February 2023

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