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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)

Supportive

Always supportive and easy to use bank Reviewed on: 26th January 2022

Perfect credit card

Easy to use, great app that is so easy to navigate. You can keep tabs on spending/balance with no issues. I have had many credit cards in the past and this is by far the best one. Nice looking card too. Customer service is great, always help available when needed. Honestly I have no negatives just positives for this card/ ZOPA. Amazing! Reviewed on: 26th January 2022

best credit card iv ever had

best credit card iv ever had so easy to apply easy payments Reviewed on: 26th January 2022

Thanks Zopa

Well having a so called poor credit score Zopa have actually given me the benefit to prove that I can manage my finances where many haven’t. Using the app is so easy and straightforward, check your balance credit limit everything a credit card does but better.The best thing is when you actually make a payment it goes straight onto your Zopa credit card not like others that takes 2-3 working days. It makes it easier for me to pay so much every week or even everyday so a big chunk of your monthly money isn’t taken out from your pay. Me I’d rather pay a little but often I find it convenient easier for myself and family, so every month I can afford to treat my children even myself without relying on credit. Reviewed on: 26th January 2022

The best

The best I’ve had so far and let’s u know how much u have spent and what is left Reviewed on: 26th January 2022

Will recommend

Good value always tell you about promotions good customer services Reviewed on: 26th January 2022

Can't fault zopa!

Reluctant to apply to zopa, however I did & I am now using zopa to help me increase my credit rating & get my life back on track. No nonsense & everything easy to use. Zopa app Is really good too. Reviewed on: 26th January 2022

Zopa

Very good customer service very quick with answer for credit card Reviewed on: 26th January 2022

The good one

Very good and easy, I recommend for all people because it’s the best, no charge Reviewed on: 26th January 2022

Fast & Secure

They delivered the card really fast and the app is really well created / easy to use. Reviewed on: 26th January 2022

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