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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)

Great help

Very easy to understand A helpful BANK!!!!!!! Reviewed on: 26th January 2022

Zopa banking

I love how easy the app is to use and how good they are at helping when needed I've recommended zopa to my sisters and they both love it Reviewed on: 26th January 2022

Fixed my life

I’ve used my card to fix my credit score massively, it’s made my life less stressful and put me back on track. Reviewed on: 26th January 2022

Amazing

Always keeping you up to date and easy to use , customer service has been fantastic too but that’s only when you need them. Otherwise Brilliant ! Reviewed on: 26th January 2022

Very transparent

Excellent customer service from application to card customer Reviewed on: 26th January 2022

Responsible lender

I have found Zopa to be a responsible lender. It has helped me back on the credit ladder. More so than my own bank that I have been banking with for years. Reviewed on: 26th January 2022

There when you need them

A while back I lost my credit card and it was so easy to have a new one ordered and to have the lost one blocked. Complete peace of mind. Reviewed on: 26th January 2022

Excellent all round service!

Zopa have been excellent during my time with them making everything simple and straightforward. Highly recommended! Reviewed on: 26th January 2022

Effortless and pain free credit

The Zopa app I'd really easy and simple to use -offering easy insights into credit rating and ways to improve Reviewed on: 26th January 2022

Great Bank.

Really easy app to use and navigate. Always kept up to date on spending and offer. Reviewed on: 26th January 2022

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