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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)

Very good and very helpful I am very impressed

Very good and very helpful I am very impressed Reviewed on: 17th January 2025

Brilliant easy to use app.

Brilliant easy to use app, Zopa explains all terms and conditions clearly. Good response to queries and questions when any issues. I have no problems with recommending Zopa to anyone. I find the credit tracker useful also. Reviewed on: 17th January 2025

good customer service, no hidden payment

good customer service, no hidden payment Reviewed on: 17th January 2025

Been with Zopa for a couple of years now and no prob...

Been with Zopa for a couple of years now and no problems at all Reviewed on: 17th January 2025

Glad I trusted Zopa

From the moment I contacted Zopa they’ve been working with me. Knowledgable and helpful. The app is so very easy to use is very informative and clear, and any questions you may have are answered swiftly. The app is easy to navigate and is clear to read so you can keep on top of payments and manage your account well. I am really glad I put my trust in Zopa and shall do so as I continue on my credit journey. Thank you for helping me along the road to great credit Reviewed on: 17th January 2025

Easy to use and good starting limit

Easy to use and good starting limit Reviewed on: 17th January 2025

I have a credit card for quite a while and I’m very...

I have a credit card for quite a while and I’m very pleased with it especially when I’m traveling as I don’t pay any extra charges Reviewed on: 17th January 2025

THEY ARE RLIABLE AND EFFICIENT, THEY HELP BUILD YOUR...

THEY ARE RLIABLE AND EFFICIENT, THEY HELP BUILD YOUR BAD CREDIT Reviewed on: 17th January 2025

Always been helpful reminders when payment are due

Always been helpful reminders when payment are due Reviewed on: 17th January 2025

Easy to open got isa creditcard and current account...

Easy to open got isa creditcard and current account with them Reviewed on: 17th January 2025

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