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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)

Excellent service

Absolutely good, good card and easy to use Reviewed on: 28th March 2022

Brilliant and fantastic

Fantastic company easy to use app. Fantastic service for anyone wanting to build up their credit score. Highly recommended. Reviewed on: 28th March 2022

Brilliant bank!

Everything really easy to understand and the app is excellent. Reviewed on: 28th March 2022

Excellent service and simple to use

Zopa have been an excellent credit builder for me, easy to use and great customer service. Thank you Zopa Reviewed on: 28th March 2022

Best Out There!

Zopa is a fantastic tool to use to build my credit score whilst offering me useful detailed information on how best to improve my overall credit score. A kind credit card. Love Zopa! Reviewed on: 28th March 2022

Great easy and simple card to use

App is great and user friendly , fast easy money Reviewed on: 28th March 2022

Excellent service !!

What a great card what a great service very very impressed Reviewed on: 28th March 2022

Credit card

Absolutely delighted with zopa giving me a credit card when no one else would.They don't throw credit at you lightly either like most credit companies,always looking at what you can afford first,and for the first time in my life,ime actually managing my finances. Reviewed on: 28th March 2022

great

excelllent customer services great value for money Reviewed on: 28th March 2022

Easy to use & understanding of the product

Not TOO harsh with late penalties Reviewed on: 28th March 2022

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