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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)

Easy and pleased with service

No negative comments to inform very pleased Reviewed on: 25th January 2022

Zopa, Angel on my shoulder

Zopa is a company I’d very much advise anyone to go with. They are fair and understanding don’t pester. Zopa has been there for me, allowing credit I need, that I can afford to pay, with gentle reminders , no pushy threats if late with my payment. They are there for the struggling hard workers. A financial friend when needed. Reviewed on: 25th January 2022

Excellent but low credit Limit

Excellent card but only gives £200 credit limit which is very low. Only good for day to day shopping. Reviewed on: 25th January 2022

Excellent money management

Zopa is a good company offering a range of different services. Good payment options and great customer service. The app is easy to use and a good tool for managing your finances online Reviewed on: 25th January 2022

Fantastic

So helpful and stress free the staff are very helpful Reviewed on: 25th January 2022

Good company fair rates good app

Good app easy to use, frequent updates could be more streamlined so that every update available doesn’t hit your phone Reviewed on: 25th January 2022

Understanding

Never give you any hassle very understanding with what ever misfortunes you come across. Reviewed on: 25th January 2022

Easy enough

Easy to understand and there are offers for broadband and energy services Reviewed on: 25th January 2022

Good app, seems quite harsh on limit reviews

I have had a Zopa card for just over a year, it was the first CC I had out of an IVA, I find the app, card and service really good, but my very modest limit of 300 quid remains, I have since had two other cards, that have had credit limits greatly raised and my credit score on all 3 agencies is almost perfect. Despite a perfect payment history, my worthiness has not increased and neither has my limit, so I don't use the card very often, I only use it now if I'm wearing a mask, can't use apply pay and need a contactless payment, at drive-throughs, I'm not in desperate need for credit, just needed to improve my rating, and as it's best to just use 25% of the limit, hopefully one day they will up it, in the mean time it's no quite redundant. Good for a first time card, I can imagine, it would be better if the limit was higher. Reviewed on: 25th January 2022

Brilliant zopa

Brilliant customer focused business. Clear and efficient with customers at the forefront. Zopa keep you informed of everything and there app is easy and clear to use Reviewed on: 25th January 2022

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