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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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)

Yes I would recommend

Very good condition and very good quality Reviewed on: 15th February 2021

reliable

had not a great credit rateing but this bank was willing to give me a chance i will not let them down for that Reviewed on: 15th February 2021

Fantastic company, quick & efficient

First class company, very organised and efficient! Reviewed on: 15th February 2021

Clarity

Love the simplicity of the app, clear concepts with a good level of support and client based credit, never lend more than you can afford. Reviewed on: 15th February 2021

Quality . Easy to manage

Great app. Updates and budget features as standard. Reccomended.. Reviewed on: 15th February 2021

I'm looking forward for the future with your company

So good getting back by email and top class customer service Reviewed on: 15th February 2021

Easy and simple app to check statements and pay bills. Great staff too

Have nothing but great thing to say about zopa credit card and the staff are always on hand for any queries Reviewed on: 15th February 2021

A new credit card, which works for the working people

I came across Zopa, while trying to find an non main street, financial organisation, who would, give people a chance to re build or get on the credit ladder, updates explaining the utilization of credit card use, paying as little of as much and as often as you can afford to pay back, low rates, low interest, well worth a try to build or rebuild up credit ratings. I have had my card almost 2yrs now, was so happy to be accept, not a build limit given, a realistic limit, one that can be worked with for my financial status, informing regularly with financial updates and using my card. Thanks for working with the people and there circumstances. Reviewed on: 15th February 2021

Excellent efficient and efficacious!

A fantastic app which is clear and easy to use. Payments made are rapidly applied and recorded. I am seriously impressed!! Reviewed on: 15th February 2021

Amazing company

I would really recommend zopa for anyone who is trying to repair there credit report. I've only had zopa for about 4 months but my credit score has really risen. The app is simple and easy to use which makes life so easy. Reviewed on: 15th February 2021

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