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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)

Best credit card I have opened for ease of use on th...

Best credit card I have opened for ease of use on the app, efficiency and insights. Reviewed on: 28th February 2025

Quick and easy process .

It was an easy process to set up and the app is good and I can easily find on it what I need. Reviewed on: 28th February 2025

Great Credit card!

I have been so happy and contented on Zopa's service! I have been grateful that Zopa approved me to jave credit card and hopefully soin my credit limit will increase! Reviewed on: 28th February 2025

Very easy to use and a good rate

Very easy to use and a good rate Reviewed on: 28th February 2025

Thumbs up

My credit score seems to of improved since I've been with them. I like the online chat facility Reviewed on: 28th February 2025

Zopa has been a great benefit to my life, it’s not o...

Zopa has been a great benefit to my life, it’s not only helped with keeping my finances in order, but it’s also helped me keep track of my credit score. Reviewed on: 28th February 2025

Straightforward and clear application process and ea...

Straightforward and clear application process and easy to use. Reviewed on: 28th February 2025

I’ve had a very good experience, the app is very use...

I’ve had a very good experience, the app is very user friendly and customer service has been excellent Reviewed on: 28th February 2025

Zopa review

I have never had any issues with Zopa website/app is clear and fair as a credit provider Reviewed on: 28th February 2025

Would recommend

Easy to use app. Started off with a low limit but is up to a decent limit now. Reasonable interest rates Reviewed on: 28th February 2025

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