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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 easy to make changes to your account.

Very easy to make changes to your account. Reviewed on: 15th January 2025

Great c/c interest is ok great understanding app

Great c/c interest is ok great understanding app Reviewed on: 15th January 2025

Just like an old friend with help and advice

They always remind me when my payment is due, I have control of my account through my app, they give tips on how to strengthen my credit score. A bit like a good friend who gives advice and there when you need them Reviewed on: 15th January 2025

Zupla gave me a chance

After paying if ex husband debts I took on after a few years I you gave me a chance to build my credit even at this mutate age . I have since told some friends it’s giving me a chance thank you Reviewed on: 15th January 2025

No problems easy app to use can check at any...

No problems easy app to use can check at any time Reviewed on: 15th January 2025

Overall brilliant never had any issues with Zopa

Overall brilliant never had any issues with Zopa Reviewed on: 15th January 2025

Excellent

Was easy to apply for came quickly and I’ve had no problems as I am always told when my payment is due. Reviewed on: 15th January 2025

Absolutely awesome and helping me better my credit s...

Absolutely awesome and helping me better my credit score Reviewed on: 15th January 2025

i couldn't get credit but Zopa give me a helping han...

i couldn't get credit but Zopa give me a helping hand and helping me to build my credit rating which is very excellent of them to be there when no one else give me that chance Reviewed on: 15th January 2025

Zopa the coooer

Easy to use on the app fair interest rates nice looking card friendly customer service Reviewed on: 15th January 2025

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