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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)

Applying for a Zopa credit card was easy with minimu...

Applying for a Zopa credit card was easy with minimum effort. The whole process of application was very speedy and dealt with in an extremely efficient manner. I would highly recommend anyone looking for a credit card to apply to Zopa. Reviewed on: 28th February 2025

Great card and app features.

Great card and app features. Excellent customer service. Reviewed on: 28th February 2025

Excellent customer service and online app is easy to...

Excellent customer service and online app is easy to use. Financial guidance always available to view in the app. Reviewed on: 28th February 2025

This is a great company that have great approach to...

This is a great company that have great approach to finance. There approach to credit building is second to none and their app is very usful with some great tools. Reviewed on: 28th February 2025

I enjoyed the experience.

I enjoyed the experience. I’m having with this card. Reviewed on: 28th February 2025

Glad I went with zopa

Zopa has been very easy to use and gave me a massive chance to rebuild my credit score. I would highly recommend to others. The zopa app is really easy to use with every detail on it such as freezing the card the date payments are due and to even make a quick easy 1 of payment Reviewed on: 28th February 2025

Really user friendly experience.

Really user friendly experience. Process was clear and easy to understand. Also quick. Interactions with customer service were also really quick and helpful. Reviewed on: 28th February 2025

Great customer service!

Great customer service! The app is easy to use and rates are reasonable! Would recommend to anyone Reviewed on: 28th February 2025

Have credit card and car finance.

Have credit card and car finance. Always a smooth process and good experience Reviewed on: 28th February 2025

Very pleasing experience to date.

Very pleasing experience to date. Communication is simple but effective. Costs are explained in an easy to understand manner. App is simple to use. Reviewed on: 28th February 2025

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