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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)

Zopa in my life

Having has to rebuild my credit profile, Zopa have been with me each step of the way. They have treated me as a human being and not as something on the bottom of your shoe. Always there for you. I feel safe and am so happy with Zopa in my life. Reviewed on: 23rd April 2025

It just makes sense

Easy to apply for the card and excellent customer service. I use my zopa account as my main everyday spending. It is so convenient Reviewed on: 23rd April 2025

Great starter card to build credit rating up.

Great starter card to build credit rating up. Reviewed on: 23rd April 2025

Great service and friendly advisors

Great service and friendly advisors Reviewed on: 23rd April 2025

Application process

Very simple application process and response fast. Reviewed on: 23rd April 2025

It's been a smooth rise with Zopa so far.

It's been a smooth rise with Zopa so far. Not had any issues or reasons to complain. Reviewed on: 23rd April 2025

You Gotta Zopa!

Great user friendly app. Great rates on card. The customer service team are helpful. The app has great FAQs too. Reviewed on: 23rd April 2025

Great company and excellent staff

Great company and excellent staff Reviewed on: 23rd April 2025

Speedy and professional highly recommended Zopa for...

Speedy and professional highly recommended Zopa for credit card, loans and savings Reviewed on: 23rd April 2025

Experience

Very satisfying company to deal with Reviewed on: 23rd April 2025

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