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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)

Credit-card ease

A nice credit option, and possibly relatively new on the market, not a fussy looking card, but thorough, disciplined and a fair kind, not necessarily kinder, because i don't know them all, but certainly worthy of a handsome credit. Reviewed on: 26th January 2022

Seamless Service

Zopa provided me with an opportunity to get back on track with my finances, representatives were on hand throughout to answer my questions. The application process was very smooth and the app is easy to use. Zopa are a 'credit' to the industry, thank you. Reviewed on: 26th January 2022

Not just credit score

As a very credit worthy individual , who had his identity hijacked. Zopa saw me as individual rather than a credit score. Reviewed on: 26th January 2022

Best service ever

I have nothing but praises for Zopa. Zopa credit card is the best for anyone who wants to build their credit. With good and excellent customer service. Reviewed on: 26th January 2022

Easy to use app

Love the fact it’s all done on an app. Very easy to use, great communication and would definitely recommend Reviewed on: 26th January 2022

Great service

Helped me get back on track great way to build credit rating love Zopa Reviewed on: 26th January 2022

User friendly, clear and concise.

Zoila we’re more than helpful to support and enhance my credit score, the service was clear and concise as well as very helpful to understand my requirements that suit my financial needs. Reviewed on: 26th January 2022

Super duper

Zopa is awesome, easy to use app, great communication. Reviewed on: 26th January 2022

Online banking

It’s very straight forward and easy to use - clear dates and easy to read Reviewed on: 26th January 2022

Great for credit building.

Easy to apply for and have never had a problem with it. Reviewed on: 26th January 2022

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