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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)

Zopa the one you can trust

My experience with Zopa has always been positive, every dealing I have with them they always sort things out quickly and efficiently, and there customer service is excellent, as with any card as long as you use it wisely then they become Reviewed on: 28th March 2022

Quality service

Absolutely brilliant to deal with Reviewed on: 28th March 2022

Great bank

Pleasure to deal with always great customer service Reviewed on: 28th March 2022

Easy to work with, great app, smart and efficient

Happy to be a customer of Zopa; everything is good so far, highly recommended. Reviewed on: 28th March 2022

Super easy

My card came within days and I find the mobile app really easy to use - in comparison to others Reviewed on: 28th March 2022

Amazing app

Brilliant app and easy to use. Really helps when making transactions Reviewed on: 28th March 2022

So pleased I joined

Always helpful when you need advice Reviewed on: 28th March 2022

Best Of The Best

This credit card is the best, it gives people like me the chance to rebuild my credit. Due to my poor credit rating, I was unable to obtain credit but thanks to Zopa I can now look to a better future. And what is interesting is that their interest rate is low. Reviewed on: 28th March 2022

Easy convenient

Very easy to access account via the app quick efficient payment methods very informative. Colourful fun cards. High security. Reviewed on: 28th March 2022

Helping to get a to take a step forward

I have struggled in the past but int the past year Zopa has helped me to control my credit and learn to use responsibly and helping to increase my credit rating and spending power. Reviewed on: 28th March 2022

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