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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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 (44348)

An excellent card for building good credit.

An excellent card for building a credit score. I had to contact customer ser Reviewed on: 15th January 2026

Excellent starting limit very easy everything straig...

Excellent starting limit very easy everything straight forward great service Reviewed on: 15th January 2026

Always quick to respond and helpful

Always quick to respond and helpful Reviewed on: 15th January 2026

Zopa gives me the control

Zopa always let's me know with a text evertime I purchase and also with my remaining credit balance which I find so handy as it keeps you in control of your spending,would highly recommend Zopa to anyone Reviewed on: 15th January 2026

easy to apply for, and great service

easy to apply for, and great service Reviewed on: 15th January 2026

Zopa credit card

Easy to use the app is very easy Reviewed on: 15th January 2026

Great Credit Card

Easy application process and easy to use app to manage my account. Reviewed on: 15th January 2026

I haven’t been with Zopa that long but I find it exc...

I haven’t been with Zopa that long but I find it excellent value. I would like you so much as my credit score has gone up a great deal since I was approved so thank you so much for all your help because with out your help I don’t know what I would have done. Reviewed on: 15th January 2026

5 stars all the way for them best card I've had to d...

5 stars all the way for them best card I've had to date Reviewed on: 15th January 2026

Great customer service

I had issues getting into my account to activate my card but after some investigation we realised what the problwm was and managed to sort it out. Great customer service and havent had any issues with Zopa. Would definately recomend. Reviewed on: 15th January 2026

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