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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)

Superb thank you

Excellent web service and understood every step Thank you Reviewed on: 28th March 2022

Amazing company

Really helpful and use full company Reviewed on: 28th March 2022

Love this.

Service good highly recommend excellent! Reviewed on: 28th March 2022

Life saver

Zopa changed my credit score and improved my financial situation Reviewed on: 28th March 2022

Absolutely brilliant

I have never had any problems with Zopa and I would highly recommend Reviewed on: 28th March 2022

Overall well structured company

My experience with Zopa has been great, when I first received my account with Zopa I was greeted with an abundance of helpful information that allowed me to understand the mobile app as well as the structure of our financial agreement. Reviewed on: 28th March 2022

Brilliant

Outstanding, I couldn’t live without my Zopa … so easy to keep track in my spending Reviewed on: 28th March 2022

Easy user friendly service

I am a new customer and it was so easy to set everything up, from opening the account to setting up the mobile app. I get notifications to remind me when payments are due and find this service a lot easier to use than other banking apps. The card arrived within a couple of days which was a lot quicker than other companies. Reviewed on: 28th March 2022

Happy customer

I’ve had a great experience with Zopa. Struggled to get credit elsewhere. Been treated fairly by Zopa and communication has been great. The app is really brilliant to use and I can keep a check on my account with just a couple of clicks. A very happy customer! Reviewed on: 28th March 2022

The company to increase and buid your credit score.

My credit score went by 300 points plus in 5 months of signing for Zopa. Not only that but my intial credit limit of £450 increased to £1100. Now on my way to having excellent credit score. Reviewed on: 28th March 2022

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