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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)

Have no problems

Very reliable service get remainders about payment and very good customer service. Reviewed on: 21st February 2023

Quick to add credits when you pay

Zopa are upfront and honest and the app is comprehensive Reviewed on: 21st February 2023

Excellent

Great app, easy to use, regular updates on financial status(credit eligibility) Reviewed on: 21st February 2023

Low repayments and very helpful

Very reliable and the app is very useful Reviewed on: 21st February 2023

Good

Very easy to use app, responsible lender. Reviewed on: 21st February 2023

Best ever Credit Card

This is the best ever Credit Card that I have Reviewed on: 21st February 2023

Great starter credit card

Zopa gave me my first card so I could start building my credit score. Great easy to use app and good rate of Apr! Reviewed on: 21st February 2023

Easy!

The app is easy and brilliant to use, interest rates are fair, all correspondence are understandable and concise. Best credit card I’ve ever had Reviewed on: 21st February 2023

Brilliant

Absolutely fantastic service , brilliant interest rates , no hassle and easy application Reviewed on: 21st February 2023

Great

Great credit card to have. Was quickly approved and card came shortly after. Overall very quick service, easy to use!! Reviewed on: 21st February 2023

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