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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 lending app

The app is very easy to use and the fast approval is excellent! Reviewed on: 28th March 2022

HIGHLY RECOMENDED CARD- Better then others on the market

From day one I have great verwiev of my cost and low intrest . Reviewed on: 28th March 2022

Best out of three that credit card I own.

Very easy to apply. Easy to understand terms and conditions. Fair interests rates and provided your savvy as to when to use it, and pay it back, little to no costs involved. I am incredibly impressed and would highly recommend to anyone I know, even on low income. Just got an increase offered, at the tap of a button it was applied. Dont expect to use the extra but a nice buffer if something unexpected crops up. 10/10 for me. Reviewed on: 28th March 2022

Amazing helped my credit rating

So glad I found Zopa credit card when I did I keep upto date with my payments and build my credit each month Reviewed on: 28th March 2022

Great service

Great service easy to use app and information is easy to access Reviewed on: 28th March 2022

Friendly, modern and so simple to use

Simple to apply for credit. Quick decision and the card soon arrived a few days later. Payments are rapidly credited. Couldn’t be better. Reviewed on: 28th March 2022

Credit rating

Zopa is a great start to sorting out your finances Reviewed on: 28th March 2022

Great card

Easy to manage Good interest rates Easy instant payments into card Reviewed on: 28th March 2022

Mateusz

easy operation, convenient in-app financial management, overall zopa the best credit card provider Reviewed on: 28th March 2022

Best bank ever!

Easy to use app, fair interest rates and quick responses. Reviewed on: 28th March 2022

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