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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)

Good card but only been given a very low credit amount. Been with them over 1 year and not received a credit increase

As above but credit limit too low and even after 1 year have not been offered a credit limit over the £200 I was originally given Reviewed on: 25th January 2022

Nice App, Great Customer Service

I found the set up and install of the APP really easy to do and the account settings and features are easy to navigate and stright forward. The online chat was quick and responsive and overall very pleased with the service and use of the card. Reviewed on: 25th January 2022

Simple

Overall an easy card to deal with compared to other cards. System updated regularly Reviewed on: 25th January 2022

Zopa brilliant

I think zopa is absolutely great very cheap compared to some and the app is so easy to use Reviewed on: 25th January 2022

I have and would recommend this to my friends and family

Easy to use app, ease to pay via app, always know where you stand with your account Reviewed on: 25th January 2022

Fantastic

Zopa have been fantastic and I would recommend to everyone Reviewed on: 25th January 2022

Very efficient service

Easy to use and navigate, would definitely recommend Reviewed on: 25th January 2022

Great and easy to manage.

It was straightforward process and was approved for the credit card and loan with very easy to follow instructions. Reviewed on: 25th January 2022

Simply Perfect!

The best thing I ever did was to find Zopa and sign-up! Easy to join, easy to manage, idiot proof phone App and the customer is in TOTAL control! Take a bow Zopa - you deserve first prize - and more. Thank You Reviewed on: 25th January 2022

Excellent

Good excellent company for building credit I will recommend Reviewed on: 25th January 2022

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