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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)

No hassle

Easy to apply regular updates you are in control Reviewed on: 25th January 2022

Reliable fast easy to use

Helping me rebuild my credit score. A really friendly team and an app that is very easy to use. Reviewed on: 25th January 2022

A very good company

Well pleased with my card never let me down Reviewed on: 25th January 2022

Hassle Free

I’ve been with Zopa a short while now compared to my other credit cards. Zopa has been the easiest to deal with and repayments are instant, plus I’ve already be able to have an increase hassle free. I’m slowly getting rid of my other credit cards and sticking with Zopa. Reviewed on: 25th January 2022

Cracking card

These guys really look out for your credit so you move forward carefully Reviewed on: 25th January 2022

Amaizing app

Very easy to use and very intuitive Reviewed on: 25th January 2022

Chance

Zopa give me the chance to improve my life by allowing me a credit card and prove a leopard can change its spots Reviewed on: 25th January 2022

Understand that credit history does not predict credit future!

Very understanding provider that took my current circumstances in consideration. Felt as though I was treated fairly. Very responsive to customer queries and needs. Reviewed on: 25th January 2022

Easy transactions

Never had a problem always easy to communicatr Reviewed on: 25th January 2022

A very good credit provider

Zopa is a very good credit provider, there system is easy to use, easy to track and easy to repay back. I have had the credit card for a while and will continue using it Reviewed on: 25th January 2022

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