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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 card

I had a bad credit score and zoppa let me have there card been a god send first credit card I will look after for there loyalty towards me Reviewed on: 7th April 2021

In control at all times!

Such a hassle free, easy credit card to have. The app allows you to view all your transactions, make payments and even set limits on your spending. Amazing Reviewed on: 7th April 2021

Excellent service

I've two credit cards and this new zopa card I love as I pay off all my.balance when I get paid and it is instantly, put on my card no waiting 3 working days excellent service and they let me.know when my.credit.is getting better too can't really ask for anything more I'm very happy Reviewed on: 7th April 2021

The best and possibly cheapest

Don’t get an overdraft get a zopa credit card...just makes more sense!!! Reviewed on: 7th April 2021

No fuss credit card

A credit card with no fuss. Easy and quick to apply, with favourable interest rates. A great way to build your credit score without getting into debt. Reviewed on: 7th April 2021

Very good to credit

I always recommend people use this. Reviewed on: 7th April 2021

Easy to use and very handy app

Used for a few months to help build my credit rating, easy to keep track of monies. Reviewed on: 7th April 2021

All lovely

I am happy with all my experience Reviewed on: 7th April 2021

Amazing service amazing provider

Outstanding service , great user friendly app updates immediately with payments, available credit.fast and secure services wouldn't use anyone else Reviewed on: 7th April 2021

Yopa

Bang on great service needed help and they provided it Reviewed on: 7th April 2021

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