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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)

So easy!

Everything about Zopa has been easy. The application process, the app, the communication and information. Makes my life so much easier and takes me far less time to get things sorted. Reviewed on: 26th January 2022

straight forward and open

easy process to sign up, communication was really good and kept me up to date throughout. Reviewed on: 26th January 2022

Easy and safe to use

Easy setup, no hassle, and good safety features Reviewed on: 26th January 2022

Fabulous card

I had never heard of Zopa. So glad I am now a customer. The app is so user friendly. Zopa keep you updated when it counts. Would recommend them to my family and friends Reviewed on: 26th January 2022

Great All round card

Very good card for the first time users Reviewed on: 26th January 2022

Not had a single problem with them good rates

Had the card for about a year they all ways seem polite and helpful Reviewed on: 26th January 2022

Best credit card

I have bad credit and was unable to get a card with anyone . Then I tried zopa and it was the only one that I was successful with. There start you off with a low amount so that's it mangable to use and pay back. Would highly recommend it. Reviewed on: 26th January 2022

Amazing

Easy straightforward. Highly recommend Reviewed on: 26th January 2022

Great company no hassle lots of perks

Been with Zopa for almost a year to build my credit score and it has done me a world of good. Great company b Reviewed on: 26th January 2022

Best ever

I've got a couple of other cards and there no where near as good as zopa .the other cards I have takes days to show your transactions even when you make a payment or extra payment it still takes a few days with zopa virtually every transaction and payment you make is instantly there so your in more control without any confusion and the interest rate is very good also I personally prefer this one and would highly recommend this to anyone. Reviewed on: 26th January 2022

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