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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 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 (44349)

Great company, simple to use app

Easy to use, all online. No problems at all Reviewed on: 21st February 2023

GREAT DECISION

VERY HELPFUL BUILDING BACK UP MY CREDIT SCORE Reviewed on: 21st February 2023

Good card with great features

I like my Zopa credit card as it has no fees attached to it, so it's great for travelling! They rarely seem to offer increases in credit though, and offer small credit amounts (despite having a very strong credit score and always displaying responsible borrowing), but it's not the worst issue and only knocked them down one star because of it. Reviewed on: 21st February 2023

Good credit card

I agree with the Zoopla is a very good credit card Reviewed on: 21st February 2023

Simply apps

Few years I have this card, not any problem, increase credit Reviewed on: 21st February 2023

Helpful credit

Very easy to get a completed online application. With a manageable credit limit Reviewed on: 21st February 2023

Quick and very easy.

Applying for the credit card was supremely quick, easy and straightforward. The app is superb for keeping track of expenditure, repayments and charges. Am also able to track the loan I have with ZOPA too. Reviewed on: 21st February 2023

Great card helps.improve credit rating

No issues applied for card quick.eaay to set up direct debit and keeps up to date with alerts via email. Really impressed Reviewed on: 21st February 2023

Amazing

Zopa are by far the best credit company. They are understanding of their customers needs and always informative. Reviewed on: 21st February 2023

One of the Best Companies to Use

I was iffy about getting a credit card but knew I had to do something to build up my credit rating. After a little research and looking at reviews, I decided to try Zopa. From the very start, I've had the best experience and one of the best things about them is that they don't push you at all to up your credit or take out different products. Reviewed on: 21st February 2023

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