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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)

Best company to xhoose

I am using Zopa credit card which enable me to build my credit . It is not like others promises, I have experienced it and I will keep going on it. Highly recommended Reviewed on: 25th January 2022

A fantastic company

Zopa are just fantastic,the app is fantastic so easy to use , communication is fantastic, clear easy to understand statements , you can follow what you spend at a click of a button and a big plus is no pushy phone calls if your happy there happy , I would recommend zopa to anyone just fantastic Reviewed on: 25th January 2022

Fantastic experience

I’ve had so far a very nice experience since I’ve got my zopa credit card , its so easy to use and i must say communication with customer service is 1A , they’ve answered all my questions and have been very nice an attentive… I would ultra recommend zopa to anyone who’s looking forward to build their credit score and get started with their credit life … Reviewed on: 25th January 2022

Just what it says

Good app for your card easy to understand one of the cheaper rates and helps to get your credit rating on track Reviewed on: 25th January 2022

Mr

im so hapy to using online option and serwis Reviewed on: 25th January 2022

Understanding

Once I missed a payment date as normal I would always clear the balance each month and they did not charge me, very grateful to this company Reviewed on: 25th January 2022

Amazing

Good APR very helpful no waiting Reviewed on: 25th January 2022

good

Good service good customer relations .. good card to have all round. Reviewed on: 25th January 2022

easy and reliable

i love my zopa card its easy quick to put money on card pop the amount on and within a minute boom money is loaded unlike other credit cards zopa is easy and reliable Reviewed on: 25th January 2022

Nice card

This card is a reasonable interest rate , I would love to be able to get an increase though How ever it’s really good with telling you how your credit score is doing Reviewed on: 25th January 2022

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