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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Easy to use, reliable, safe

I’ve struggled to find somewhere that would except my due to my lack in credit history, so zopa has offered me a great opportunity to create that good credit score and it’s super easy to use with the app and contactless card, I also received my card within days of being accepted but I was able to use it online straight away which was amazing, it’s also safe because it allows you to set a secure safety net on how much you are allowing yourself to spend so if you choose to you always have loads of money left incase any unexpected bills creep up on you Reviewed on: 17th March 2021

Great company

Had a good experience with them have been very helpful with anything I have asked about. Reviewed on: 17th March 2021

Easy to use...

Easy to use/access account. Quick response/application easy to fill in Reviewed on: 17th March 2021

Awesome

Excellent service, friendly and helpful team Reviewed on: 17th March 2021

Amazing customer service

Amazing customer service I'll definitely recommend Reviewed on: 17th March 2021

Excellent card

Excellent card with great benefits personally love the app they have as it’s very intuitive and easy to use Reviewed on: 17th March 2021

Simple and transparent

After a few months with Zopa the service has been great and transparency on apr and any fees as well as things like borrowing power are things I appreciate Reviewed on: 17th March 2021

Great for building your credit

Always had a great experience when using the card , customer services are really good and helpful Reviewed on: 17th March 2021

great

quick, easy, great service app is very useful Reviewed on: 17th March 2021

Amazing

The best card Great for building credit Reviewed on: 17th March 2021

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