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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)

Hassle Free

Fabulous and hassle free and engaging experience provided by a market leading company. Credit provided at a sensible rate when I needed it most. Helps me budget all my business travel expenses. Reviewed on: 15th January 2025

Zopa gave me confidence and helped me financially wh...

Zopa gave me confidence and helped me financially when I needed it! Reviewed on: 15th January 2025

Excellent card to have

Zopa has an easy to use app that has everything you need to manage your card. monthly payments are low and affordable. Zopa keep me updated with email regarding my payments. I’m more than happy with Zopa. Reviewed on: 15th January 2025

I never had any issues, easy to apply/use

I never had any issues, easy to apply/use Reviewed on: 15th January 2025

Helping me to repair my credit when no one else would.

Very simple process to sign up, easy app to understand my balance and amounts due at any time. Straight forward Comms when needed, just very happy with my whole experience to date. Thank you Zopa :) Reviewed on: 15th January 2025

Seamless credit card availability

Seamless credit card availability Reviewed on: 15th January 2025

Great experience with Zopa

Easy to use app, no hidden fees on the card Reviewed on: 15th January 2025

I love my Zopa credit card.

I love my Zopa credit card. The app is brilliant. It keeps me up to date and has lots of useful information on how to improve my finances and my credit score. Reviewed on: 15th January 2025

Keep goingZopes.

Zopa is a very professional company and have offered me increases often,just keep up regular payments and you will normally receive a credit increase which has helped me. Reviewed on: 15th January 2025

Always find the service from Zopa amazing.

Always find the service from Zopa amazing. The card is a great way to rebuild your credit rating and the app is super easy to use. Just find that overall the Zopa account is really worth while. Reviewed on: 15th January 2025

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