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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 user friendly

Great experience in terms of app functionality and ease of use, good access to products and services available. Reviewed on: 25th January 2022

Excellent Efficient Fast Service

Have been with ZOPA for approx just over a year and would highly recommend them Reviewed on: 25th January 2022

Love it

Easy simple to use credit card. Easy to pay on the app. Any problems dealt with very quickly via app. Highly recommended definitely Reviewed on: 25th January 2022

Robert9@

It’s always been very helpful to me Reviewed on: 25th January 2022

I needed a card which would help me build my credit score up I find it very helpful

I find it's good value for someone starting out the credit limit is reasonable its helped increase my credit score Reviewed on: 25th January 2022

Great

Great and efficient service. Easy to use app. Reviewed on: 25th January 2022

Stress-free credit

I’m very happy with Zopa. They have great customer service, and the built-in credit rating and automatic credit limit increases really help to make sure I’m staying on track. Would definitely recommend Reviewed on: 25th January 2022

great experience

I have had a great experience with Zopa. Reviewed on: 25th January 2022

Supportive and flexible

Zopa have been helpful in improving my credit rating. They provide flexible credit limits and work with you to manage your finances. Reviewed on: 25th January 2022

Amazing app and service

Such a user friendly app to have at your fingertips enable you to monitor your account anytime. Reviewed on: 25th January 2022

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