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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)

If carling made credit cards .

Amazing. Gave me a Fighting chance to get myself on the credit ladder. Nice one Reviewed on: 25th January 2022

Excellent customer service

Customer is always put first, excellent customer service and guidance, the new banking kids are here!! Reviewed on: 25th January 2022

Credit rating improved.

I've had a really poor credit rating for the last 20 years as I moved from one insecure job to another. It was so bad I couldn't even get a home broadband. Last year I secured a job with good prospects and Zopa accepted my credit card application. I have to say that they are an excellent company. I have a credit limit of £500 which I have never gone over and having the app I can see my spending, my statement and it makes it so easy to pay off what I owe. My credit rating has improved significantly and I'm going to be applying for a mortgage at the beginning of April. All because Zopa took a chance on me which am incredibly grateful for. Thank you Zopa! Reviewed on: 25th January 2022

Easy to apply

Monthly updates on your borrowing power Reviewed on: 25th January 2022

Excellent bank

Excellent bank Every time I phone up I am more than willing to help out great value for money overall I would recommend this to anybody Reviewed on: 25th January 2022

Best credit card

Very professional, accommodating and supporting service. Great experience with them Reviewed on: 25th January 2022

Excellent

I use the this card from 1 year .I'm very happy Reviewed on: 25th January 2022

Amazing service

Customer service is fab app is quick and easy to use one of the best cards I have held Reviewed on: 25th January 2022

Brilliant!!!

I love Zopa, manages my finances and gives me great reassurance for life’s unexpected situations!! Reviewed on: 25th January 2022

Great experience

Great customer service dealt with my problem straight away Reviewed on: 25th January 2022

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