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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)

Easy app, customer service phenomenal!

Fab company, easy app to use, customer service amazing! Reviewed on: 21st February 2023

Amazing Customer service experience

Amazing efforts put in anytime I had an issue. Recommend any day Reviewed on: 21st February 2023

The best card

It’s the best card I’ve used so far Reviewed on: 21st February 2023

Excellent providers and very easy to manage your account

They provided me with a credit card to help improve my credit rating and since then it has risen a lot and it's helped with funds when iv needed it Reviewed on: 21st February 2023

Straightforward and quick

Applying for a zopa product is straightforward. The app is user friendly and shows you all the information you require. Reviewed on: 21st February 2023

They are helpful

In a time when I was struggling, this credit company came through when no one else did. Absolutely amazing Reviewed on: 21st February 2023

Caring & considerate

In the 18 months I think Zopa is fair and considerate most of the time but not fully sure if it is a real credit card after having no protection help after a certain purchase. The APP is great and allows budgeting & flexibility with security reviews. The limits are fair and increase only if you want them to Great in general Reviewed on: 21st February 2023

Easy to apply for card and always updated me how I can improve my credit.

Well it s easy to use the card and I always manage to check my balance before spending Reviewed on: 21st February 2023

Outstanding

Great little credit card, whether it’s for credit build or additional card it’s brilliant Reviewed on: 21st February 2023

Zopa has improved my finances

Zopa have got me out of a sticky situation and helped to improve my finances Reviewed on: 21st February 2023

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