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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)

i was able to fill detials which was so easy not com...

i was able to fill detials which was so easy not complecated and the card was very very quick arriving thank you my experience was verygood Reviewed on: 16th January 2025

I was in need of a credit card due being made redundant

I was in need of a credit card to help out as I had just been informed I would be made redundant. Zopa give me that help with little fuss and we were able to enjoy Christmas a little. I have now found a new job so will be able to pay off the credit provided in due course. Thank you Zopa. Reviewed on: 16th January 2025

Since joining the whole process from start to presen...

Since joining the whole process from start to present has been great Reviewed on: 16th January 2025

Customer service are also polite and helpful on the...

Customer service are also polite and helpful on the phone Reviewed on: 16th January 2025

Excellent quick accecptence and very helpful app wit...

Excellent quick accecptence and very helpful app with tips to help improve your credit score Reviewed on: 16th January 2025

love using my zopa credit card for emergency use.

love using my zopa credit card for emergency use. Reviewed on: 16th January 2025

Hi I am so pleased that you excepted me it means tha...

Hi I am so pleased that you excepted me it means that if I need anything I can turn to Zopa thank you so much. Reviewed on: 16th January 2025

Excellent from start to now

Excellent from start to now very easy to use app is very easy to use credit starts low and can go up quickly all in all very good card to have Reviewed on: 16th January 2025

Fantastic

Excellent service from day one. So glad I chose them Reviewed on: 16th January 2025

Easy to complete and obtain even with low credit score

Easy to complete and obtain even with low credit score Reviewed on: 16th January 2025

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