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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)

EXCELLENT SERVICE

Excellent service. Never let down a single day since i signed up. Reviewed on: 26th January 2022

Recomand

Îs very good and me I very satisfasion Reviewed on: 26th January 2022

Easy to apply

I qualified for a credit card on Zopa App. The process was easy, and I received the card in a couple of days. Reviewed on: 26th January 2022

Nothing but good words to say about zopa

I've been with zopa about 7 or 8 months after a short space I've time they up my limit also do a savings account Reviewed on: 26th January 2022

One of the best in the business

Very flexible and understanding Reviewed on: 26th January 2022

Responsible lending

Fast decision with responsible lending. Easily managed through the App. Great product! Reviewed on: 26th January 2022

Zopa helped turn my life around

Zopa have played a part in me beginning to turn my life around after many years with bad credit. Thanks to Zopa accepting me and me paying my statements on time, I am starting to see an improvement in my credit score. Plus, it is very handy to have. Reviewed on: 26th January 2022

Straight forward and easy to use credit card

Good and easy to use credit card for your every day needs recommended for all. Reviewed on: 26th January 2022

BANKING WITH EXCELLENT

Very good and accommodating bank.Top notch customer service experience.Will recommend it anytime. Reviewed on: 26th January 2022

Quick,easy,modern

Simplicity is key in today’s market and Zopa do just that! Easily log in, easy payments and super simple to she what you are spending and where Reviewed on: 26th January 2022

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