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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)

Excellent service

Excellent service with a an excellent app! Reviewed on: 18th April 2021

Easy all round.

App is easy to use. If you need to ring, the people have been very helpful Reviewed on: 18th April 2021

Zopa Zogood

Great little credit card easily managed with app. A modern day credit card where I can pay money into it almost instantly. Other cards take days. An easily managed card in difficult times. Great Reviewed on: 18th April 2021

GREAT PRODUCT

Easy to use top service love how it’s just an app Reviewed on: 18th April 2021

Friendly staff fast efficient service first class

Absolutely speedy delivery of card, fast efficient service like a friend in my wallet Reviewed on: 18th April 2021

fantastic

easy to setup, great service. really helps build credit score Reviewed on: 18th April 2021

Brilliant company.

I am grateful to Zopa for giving me a chance to build my credit rating back up following me being impacted hard following a very expensive end to a long term relationship. Most lenders said no to my applications but Zopa said yes. The service is quick and the app is really easy to use. I would recommend them to anyone. Reviewed on: 18th April 2021

very straight forward to use app

The application was really simple although customers services had to contact me to tell me a mistake was made with my address, which meant I may not receive my card. I spoke to customer services and they were very friendly and helpful and a new card was sent out right away. It is so easy to manage my card through the app. Reviewed on: 18th April 2021

Easy

Everything is at touch of a button very easy to use pay and understand Reviewed on: 18th April 2021

Simple and easy

Quick easy app based credit card with no hassle Reviewed on: 18th April 2021

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