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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)

Most helpful

All ways friendly and very helpful on the phone when you call them , And never keep you hanging on to answer your call Reviewed on: 25th January 2022

love this company set you can set a limit so you do not go over your account limit

Not been with this company long, but I do have other credit cards and this will be my preferred option in the future, I will be closing my other cards down Reviewed on: 25th January 2022

Excellent

Love zopa . Clear app . Easy to understand. Reviewed on: 25th January 2022

Easy to use

I had a bad credit rating and they were the only company who gave me a credit card. Reviewed on: 25th January 2022

Fantastic service

Every time I have contacted them they have been fantastic always helpful Reviewed on: 25th January 2022

Let's go zoppa loopy nuts are we

I have found Zoppa flexible and affordable, and the app is great, easy to use with loads of info. With the app and the borrowing power info it really feels like I'm working towards something with a Zoppa card, plus there are loads of other financial tools which appear to have my best interests at heart. Reviewed on: 25th January 2022

Modern, helpful and easy to use

Since joining Zopa, they have been brilliant. The app is very modern yet easy to use with various features included such as eligibility statuses and additional products available to add. Can’t fault them at all and enjoy being a customer. Reviewed on: 25th January 2022

Excellent Company

I cant tell people enough about how excellent the service is to use and how they keep you informed and how easy it was to apply and the website and app help you stay in control Reviewed on: 25th January 2022

easy to use and easy to see money spent and keep control of my money

easy to use and app is great, i have had no problems with this service and will continue to use. Reviewed on: 25th January 2022

No problems

Swift application. Decent rates for poor credit. Good app and no problems so far. Reviewed on: 25th January 2022

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