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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)

Great!

Zopa is a company easy to apply with. They try to help if your a day or 2 late and thier app is easy to use Reviewed on: 28th March 2022

Great Banking!

Zopa is really user friendly and I get instant notifications when I spend! Tells me how much I have available so I know how much to spend on the go. Thoroughly recommend Reviewed on: 28th March 2022

They understand customer service

They gave me credit card with flexible plan to pay whatever I spend . Reviewed on: 28th March 2022

No Nonsense Finance to Deal with !

Always been so easy to deal with. No jumping through hoops and running around in circles. Straight Forward Financing made Easy! Reviewed on: 28th March 2022

Nice credit offer easy to understand

Overall experience very satisfied Reviewed on: 28th March 2022

Best service

Accessible and transparent banking. Reviewed on: 28th March 2022

Great experience and user friendly customer services Team.

Initially my credit limit was low but shortly after few months they have increased the limit which was really useful for me . Reviewed on: 28th March 2022

Great credit building card

I didn’t have great credit but you gave me a chance and I’ve been able to build it so well with your help Reviewed on: 28th March 2022

They are incredible in terms of everything

I have been using it since months and never had any problem. Everything is perfect. Reviewed on: 28th March 2022

Zoos rules

Zoos has been honest up front and straight forward from the moment I signed up for their credit card making payments are easy as 1 2 3 plus the interest is not to bad making a lot of difference to my spending power Reviewed on: 28th March 2022

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