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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 easy to use app

App easy to install and use. Great service Reviewed on: 25th January 2022

Mr Y sil

Absolutely wonderful service, the interest rate is excellent than other companies. Reviewed on: 25th January 2022

Great service

Nice to be trusted and offered a card and a card that tells you when you are doing better they should all follow suit Reviewed on: 25th January 2022

Standards

Keeps track of my credit score and don’t offer something I can’t afford Reviewed on: 25th January 2022

5 star credit card

Zopa make it easy to utilise your credit keeping you updated about payments and credit limits efficiently Reviewed on: 25th January 2022

Easy to use and understand

Zopa are easy to understand and use. Never thought I'd find something so easy to use. Reviewed on: 25th January 2022

Amazing

Started low and monitored how I coped with paying back before offering more credit, that way I wouldn't over spend, great to help you build your credit. Reviewed on: 25th January 2022

Zopa are just great!!

ZOPA have been absolutely excellent since I took out a credit card with them. Their customer service always resolve any issues or queries and very professional whilst doing so. They offer a range of products and I would definitely recommend them. Well done all at Zopa. Reviewed on: 25th January 2022

Really helpful my time of need.

Its a brilliant bank that helped me in my time of need. Struggling to get credit anywhere when I was in an iva and they helped me out, and have just tripled my balance Reviewed on: 25th January 2022

Simplicity Itself

Easy to manage, easy to use and no paper bills.. easy to make payments.. what more can you ask.. Reviewed on: 25th January 2022

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