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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 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 (44348)

Great bank

A great app, and a really dimple experience Reviewed on: 15th April 2021

Fresh experience

Brought a fresh experience to having a credit card Reviewed on: 15th April 2021

Hope where there was none

I'd been trying for over a year to try and get a credit card to build my credit rating. I got nowhere. Zopa accepted me with no hassle and I have since had previous companies who declined me offering me cards. This was due to zopa giving me a chance. Thank you Reviewed on: 15th April 2021

Easy

Easy to use and updates quickly Reviewed on: 15th April 2021

Lovely credit card just the amount to tie me through to payday.

Love this credit card from zopa gets me out of rough situations. Reviewed on: 15th April 2021

Amazing card and service

Never had a problem amazing card and service Reviewed on: 15th April 2021

My card

Great card would recommend to anyone Reviewed on: 15th April 2021

First class service

I love this card once you make a transaction it immediately lets you know in seconds a very well organised credit card service and lets you view all your spending so no excuses of over spending Reviewed on: 15th April 2021

Excellent visa credit card

Zopa is one of key ways I am able to rebuild my credit. Zopa look beyond a number, they look at the person Reviewed on: 15th April 2021

Excellent wee card

Handy when it gets to the end of the month Reviewed on: 15th April 2021

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