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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)

Awesome 22

Great service can get to agent quickly and easy Reviewed on: 15th January 2026

They have been good no challenges

They have been good no challenges Reviewed on: 15th January 2026

Zopa helped me when my credit score wasn’t brilliant...

Zopa helped me when my credit score wasn’t brilliant and now my score has increased Reviewed on: 15th January 2026

Easy use .

Easy use .. perfect. Been a customer for over 2 years .. Reviewed on: 15th January 2026

Instant transaction reflection.

Instant transaction reflection. Most credit cards will take a few hours before transaction activity shows, zopa is wi%kin seconds. Reviewed on: 15th January 2026

Great card for credit building, App is easy to use a...

Great card for credit building, App is easy to use and maneuver Reviewed on: 15th January 2026

BEST CREDIT CARD AND FACILITIES ON THE MARKET

Always exceptional service from Zopa, easy repayments, multiple ongoing offers and easy to use app on your phone, I’d recommend Zopa to anyone for there outstanding flexibility and looking after there customers Reviewed on: 15th January 2026

Good overall performance, it is an easy app, keeps y...

Good overall performance, it is an easy app, keeps you up to date on spend. It is great to review it regularly and know where you are with your balances. Reviewed on: 15th January 2026

Great company fast very helpful customer service wou...

Great company fast very helpful customer service would highly recommend to those of any credit score Reviewed on: 15th January 2026

So easy to open account and very affordable

So easy to open account and very affordable Reviewed on: 15th January 2026

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