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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Simple

Everything about their credit card and app is simple to use and your account seems very secure and safe Reviewed on: 26th January 2022

Easy to use, helpful

Easy to apply and use. App is easy to send money onto the card and monthly payments are arranged. Reviewed on: 26th January 2022

Really good service

Since being with Zopa I’ve had no problem which is really good with a credit card company! No issues Reviewed on: 26th January 2022

Great service and easy to understand banking app

Been with zopa for about 5 months and never had any issues great app easy to set things up Reviewed on: 26th January 2022

Excellent Bank

Good customer services, friendly Reviewed on: 26th January 2022

Excellent service

App is so simple to use you are in control at all times Reviewed on: 26th January 2022

Excellent

Very helpful helping bad credit customers with a second chance Reviewed on: 26th January 2022

Never thought I'd be approved!

I've been very unlucky in the past applying for any kind of credit... but with Zopa, i have an easily manageable balance, an app to make it easy to monitor and make additional payments change any details at any time, push notifications when I make a purchase... its great! Reviewed on: 26th January 2022

Wonderful team

It’s a Great Way to Build Credit & This is More Secure Than Carrying Cash Around Reviewed on: 26th January 2022

Quick response

Amazing! Applied within some few minutes and my application got approved. So far so good. Reviewed on: 26th January 2022

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