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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)

Good service

Never been let down, always good service Reviewed on: 7th April 2021

Good Services

Very reliable and easy to use. I will recommend anyone to use Reviewed on: 7th April 2021

Fantastic experience

New had any issues with these guys, would highly recommend Reviewed on: 7th April 2021

Excellent app

Zopa is very helpful keeping me on top of my credit rating and helping me improve everyday they keep me updated with the latest offers and also affordable repayments which suit me. I would highly recommend to anyone who is looking for credit card and help to improve your credit score. I have found this pandemic hard on me even though I’m a care worker zopa have supported me when I thought I couldn’t improve anything Reviewed on: 7th April 2021

Excellent service

The zopa credit card and app are excellent to use and understand. Everything is simple and very well thought out. All in all a card I would recommend to anyone Reviewed on: 7th April 2021

Great credit build

Great to build credit also reasonable interest. Brilliant communication. Reviewed on: 7th April 2021

Amazing company

Every time I have rang they have always answered quickly and have resolved my problems and queries quickly. Reviewed on: 7th April 2021

Brilliant

So I’ve had my zopa card for a while I always like to make Partial payments and have never found a ccc I can use so easily through the app. It updates straight away and always sends me a reminder when payment is due so I’m up to date Reviewed on: 7th April 2021

Bank on it

I have found this app and whole banking system so easy to use. I can see immediately how much I've spent and what needs paying. Great service, highly recommended. Reviewed on: 7th April 2021

simple to use

App makes everything easy to use & stay in control of your money. Reviewed on: 7th April 2021

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