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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)

Top company, easy app and no fuss banking.

Easy to use app and application was fast and easy and was up and running working days of application. Reviewed on: 28th March 2022

Excellent experience with Zopa

I used the Zopa credit builder card to help boost my credit score, in advance of going for a mortgage; Zopa explained how it all worked which wasn't so clear with other providers, and their app helps both keep up to date with your spending as well as adjust payment options as necessary, plus has the added bonus of being straightforward to use. I cannot recommend these enough! Reviewed on: 28th March 2022

Freedom of zpending, freedom of living your life caring for things matter to you the most

I can manage use of my money choosing how little at a time I can repay it back Reviewed on: 28th March 2022

Payment

Easy and guick and always have something new to give it for customers Reviewed on: 28th March 2022

Great card management

Transparency and clear in all aspects Reviewed on: 28th March 2022

Great card

Great card , which you pay off some or all at any time during the month . You don’t pay any interest proving you statement balance is £0 Reviewed on: 28th March 2022

Very satisfied by this credit card.

I never had a problem with it. Not even a single payment declined plus some additional verification when I use a new website for online purchases. Reviewed on: 28th March 2022

Perfect Credit Card

Couldn't ask for a better credit card..keeps me in check easy to use app and very helpful staff...10/10 for me Reviewed on: 28th March 2022

Nice

Awesome thanks Reviewed on: 28th March 2022

Easy App great to use

Since getting this credit card I've been able to increase my credit rating. The app is so easy to use and the amount of credit given was easily manageable. Reviewed on: 28th March 2022

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