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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 to use, fair rates

Never had any issues, easy to use website and app. Reviewed on: 21st February 2023

Excellent

NO problems, happy with product and service Reviewed on: 21st February 2023

Excellent Service

Applied for a credit card when I had a poor credit rating and was surprised to be accepted Reviewed on: 21st February 2023

Brilliant and simple

Very useful and very handy to boost credit rating, thank you for the opportunity to do so. Reviewed on: 21st February 2023

Straightforward Credit Card

I took out a Zopa Credit Card in April 2022. I found it easy to use and easy to manage on line and that the online experience was better than some Credit cards I've had in the past. It also has features such as the Credit Cushion which I've found easy to use and very helpful to.me to help manage my spending. The card is easy to use, easy to.manage and easy to understand, which is all that I want from.a Credit card. Reviewed on: 21st February 2023

Excellent customer service and very friendly

Excellent customer service and very friendly. When I first got my card I had a few issues, I rang and spoke to some very helpful person who helped me out Reviewed on: 21st February 2023

Credit card

Easy to use app, clear information Reviewed on: 21st February 2023

Best credit card experience

Builds my credit, easy to use and a very informative app. Shows my spending, suggests monthly payments. Text alerts letting you know what's happening with your account. I couldn't ask for more. Great card. Reviewed on: 21st February 2023

Love it!

Brilliant company never had any issues. After using them for a year they tripled my credit allowance! Reviewed on: 21st February 2023

Great app

Zopa are such a good firm. Their easy to get in touch with and their app is so brilliant and helpful. Reviewed on: 21st February 2023

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