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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)

the best card

this card.it is verry good,I am happy I have this card Reviewed on: 21st February 2023

I am satisfied

I am happy to use the card no problem with payment in other countries interest good everything positive Reviewed on: 21st February 2023

My zopa card

Very low interest rate , and simple to operate Reviewed on: 21st February 2023

Great service speedy no extortionate apr

Been using this card for a while good service always easy to check with the app Reviewed on: 21st February 2023

Highly recommend!!

Great App, easy to use and really helps keep track of everything Reviewed on: 21st February 2023

Helped me out , when no others would !

Having got in to difficulties in the past , and getting my finances back in order , I just wanted a credit card to give me emergency back up, if something should happen. Zoopa gave me a card with a £700 limit , I used it when needed and paid off a chunk when I got paid and it worked great, in the mean time , they have upped my limit , but asking me firstly if I would lime to , and if I could afford to , and I have had a credit increase , and its working well between us , payments met on time , so all good . Can not fault them , would defo recomend and thank you ! Reviewed on: 21st February 2023

Quality service

Quality service when needed. App easy to use Reviewed on: 21st February 2023

Fab credit card

Very happy that this card has a choice to have a cushion so you can save it for emergencies. Reviewed on: 21st February 2023

Helpful & understanding

I was in trouble financially and these were the only company that would help. After 6 months I was out of trouble and I am so grateful. Reviewed on: 21st February 2023

Brilliant

This card is really easy to use the site is easy to use. Very helpful as well Reviewed on: 21st February 2023

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