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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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)

Simple Clear, Clever

Best credit card out there I'm speechless Reviewed on: 25th January 2022

Fantastic Company

They are an understanding and fair company,. The website is a dream to use and I would highly recommend them Reviewed on: 25th January 2022

Great credit card company

Fantastic, applied online and was instantly approved even though my credit rating was very poor. App is very useful and understanding. They even check to see if your rating has changed every 2 weeks and they let you know Reviewed on: 24th January 2022

Credit builder

Zopa credit card helped me build my credit and didn't keep increasing my limit until they thought that I could manage to pay it back . They asked me first if I wanted to increase my limit and checked again that I could afford the increase. Reviewed on: 22nd January 2022

Fantastic Customer Service

Gives chance and hope to those who are still building their credit history. Friendly and polite staff. Overall superb customer service Reviewed on: 22nd January 2022

Great product

Fantastic APR, innovative app, and realistic limit Reviewed on: 22nd January 2022

Amazing

Good rates and easy to use and clear application process Reviewed on: 21st January 2022

Excellent company

Excellent customer service and support easy to use app Reviewed on: 20th January 2022

Excellent credit card

Reasonable rates, good tech support from one of the UKs smallest and newest banks. Reviewed on: 18th January 2022

No limit increased

I didn't have good experience with Zopa. I got £200 credit limit when I opened the account with them and they never increased my limited in the past 8 months. My credit score was always good and I also got 2 other credit cards which offered me higher credit limits and increased after 4 months. It was very disappointing, so I decided to close my account. Reviewed on: 27th November 2021

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