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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

When I came across this site I didn't expect to get the card I was surprised when they said yes Reviewed on: 26th January 2022

Zopa credit card app

Easy to use app payments credited immediately very good Reviewed on: 26th January 2022

The easy and useful credit card/builder

What a great card and app. Very easy to control and well organised to help with keeping within your limits and helping to build a better credit history. Reviewed on: 26th January 2022

1st always.

Gave me a credit card and chance to show how good I could be when others wouldnt.Thank you. Reviewed on: 26th January 2022

Great experience

I have found Zopa to be a very easy and fair company to deal with. They have an excellent customer service team who are very knowledgeable and eager to help.I would definitely recommend them. Reviewed on: 26th January 2022

Clear & Easy

Everything is in plain English and is easy to understand, making payments on my balance could not be easier and the app makes monitoring my spending a very simple thing to do. Consumer friendly, which is quite often not what businesses achieve these days, but Zopa certainly has! Reviewed on: 26th January 2022

Great product

Easy to manage credit card with a very simple app to maintain account Reviewed on: 26th January 2022

Recommended for everything

Very helpful n reliable to assist Reviewed on: 26th January 2022

Helped me when others wouldn't

I've recently came out of a 10 year marriage and my credit wasn't in a good place. Zopa offered me my first credit card. I was over the moon and its really helped grow my credit score. The app is easy to use and customer service has always been professional. Very happy customer Reviewed on: 26th January 2022

Simple and user friendly

Simple and easy to apply for products and simple user friendly mobile app Reviewed on: 26th January 2022

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