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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

Have found up to date statements online service is the best Reviewed on: 28th March 2022

Customer service

Very understanding customer service team if you ever have struggles with monthly payment they will point you in the right direction and give and help you might need Reviewed on: 28th March 2022

Not complicated

Very easy app to use. Keep track of everything. All information you need is in the app Reviewed on: 28th March 2022

Great service

Brilliant service Customer service Reviewed on: 28th March 2022

Excellent service

Very happy with the zopa card and easy to use the app Reviewed on: 28th March 2022

A great, fair 2nd chance

I haven't been the best for credit but zopa has given me a chance to build my credit rating. I never thought I'd ever be able to start building my credit again after being in financial trouble a while ago. Great card Reviewed on: 28th March 2022

quick and easy

very well managed app and really easy to use Reviewed on: 28th March 2022

The best card

Is the best card for everyone to have. Reviewed on: 28th March 2022

Easy

Easy to use and pay back, no bad words at all Reviewed on: 28th March 2022

Amazing company

My experience with zopa is one big word “ fantastic. So polite and so helpful. They get you back in control with the amazing app. You can send messages any time knowing Zopa will be there for you. They have made people feel back in control after such a hard time loosing jobs and going through so much stress when covid hit the nation and every one out of pocket thinking how do I get back on my feet but then zopa took a big roll and helped people that need a back up with money and have made people sleep and relax just by feeling zopa was such amazing help even though no one new what was going to happen in covid such a scary time for us all. It’s a amazing feeling watching your credit rating going from the bottom to watching it go to the top again with the help and advice from your own coach and a very professional team. Thank you zopa for every thing you do you are my number one credit card. Thank you. Reviewed on: 28th March 2022

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