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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)

Brilliant

Excellent experience. Great customer service team. Reviewed on: 25th January 2022

Top Quality credit card

Very easy and simple to go through the website to apply and the app is very self explanatory to navigate through Reviewed on: 25th January 2022

Great bank with great services and an app that makes life easier.

Really good bank who do a great job with responsible lending. The app is great and gives me all the information I need and keeps me on track with my credit report and affordability rating. Reviewed on: 25th January 2022

Excellent Company

Excellent company always put their customers first. Reviewed on: 25th January 2022

Zopa is great

I love how they provide with the right amount of interest Reviewed on: 25th January 2022

Great credit builder

Very much enjoying my experience this far. App extremely user friendly and easy to make payments and keep track of spending ! Love it Reviewed on: 25th January 2022

ZOPA IS DOPA

Best card ive ever had,easy and to the point app,just superb! Reviewed on: 25th January 2022

Slick

I've never had an application then delivery and use of a credit card...informative...credit building and an excellent customer journey :) Reviewed on: 25th January 2022

Credit security for second chances

I was at rock bottom. Mental Health at the lowest. I was getting to a point where I didn’t want to be around. The financial burdens, caused by stupidity and a lack of knowledge of credit in my twenties had added to the severe stress and anxiety I was suffering from in my early 30’s. Zopa, were able to grant me a small credit facility. This meant that for a couple of months, I could put additional funds towards other debt, and offset costs of food/fuel without fear. Nearly a year later. Almost debt free. Just the last couple of thousand to go. And I’m on the mend. I know my credit is a while from bekng where I want it, but Zopa literally saved me from hunger. Reviewed on: 25th January 2022

Good credit card

Zopa is a good credit card to help repair and rebuild your credit rating. All round good credit card . Reviewed on: 25th January 2022

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