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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Very good

Pleasant customer service always happy to help Reviewed on: 25th January 2022

Zopa. Best for customers who had a financial hip up in their past credit history

Best credit card and customer service for customers with a credit clinch in their financial past. Zopa helps customers like us to get back on track with our credit history. Thanks Zopa. Reviewed on: 25th January 2022

Best card

One of the best credit cards I’ve ever used and the app works really well Reviewed on: 25th January 2022

SERVICE

Just great easy to talk to very helpful everything explained simply Reviewed on: 25th January 2022

Highly recommended!

It has been a tough life.. But Zopa credit card gave me the freedom and flexibility with my finances. So thanks to them. Reviewed on: 25th January 2022

Amazing Service

Very personalised service. Ease of use. Reviewed on: 25th January 2022

Money at my fingertips

Zopa has been so fantastic, I have also been able to increase my credit limit with them with ease. The app is super easy to use. Love my Zopa Reviewed on: 25th January 2022

Nice and easy

Nice and easy credit card and simple app. Helpful customer services. Happy customer. Reviewed on: 25th January 2022

Amazing credit

Even though its a credit card it doesn't feel like a credit card, the way they send statements to keeping you updated really doesn't feel like a credit card company, and I feel at ease having it, and the payments are affordable, and the way they remind you a payment is due and its a good few days before not a day or two. Would definitely recommend Reviewed on: 25th January 2022

Easy to apply and simple to use

Zopa was a very easy application process, nice and quick to go through and once I was approved, the app functionality is excellent. Would highly recommend. Reviewed on: 25th January 2022

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