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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 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 (44347)

Simple to use and understand.

Simple to use and understand. The app is also great and very clear as to what your balance is and what your minimum payment is Reviewed on: 15th January 2026

I’ve found zopa very friendly and efficient

I’ve found zopa very friendly and efficient Reviewed on: 15th January 2026

Zopa really helped me to improve my credit rating.

Zopa really helped me to improve my credit rating. They gave me a realistic credit limit and the App is so easy to use to make payments/check your account etc. Whenever I have rung them the advisors have been polite and knowledgeable also. Reviewed on: 15th January 2026

Great app.

Great app. Great service. Get reminder when I need to pay Reviewed on: 15th January 2026

It a reliable company and helped you out.

It a reliable company and helped you out. Reviewed on: 15th January 2026

It's so easy to use, always keeping you upto date on...

It's so easy to use, always keeping you upto date on your 6 Reviewed on: 15th January 2026

Excellent service very helpful for finance

Easy access, friendly users. Great help for finance Reviewed on: 15th January 2026

Trusted and reliable credit card that has a APR that...

Trusted and reliable credit card that has a APR that is not high Reviewed on: 15th January 2026

I've been a customer for years, and the service is e...

I've been a customer for years, and the service is excellent. Reviewed on: 15th January 2026

Well Zopa is a good credit card and staff are excell...

Well Zopa is a good credit card and staff are excellent Reviewed on: 15th January 2026

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