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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)

Well it gives me a chance to up my credit...

Well it gives me a chance to up my credit score Reviewed on: 15th January 2025

Zopa lisious

App and the account is so easy to use and understand Reviewed on: 15th January 2025

my experience with zopa card very well I will recom...

my experience with zopa card very well I will recommend to my friends to take zopa card ....I am very satisfied with this card Reviewed on: 15th January 2025

Given hope

Rebuilding your life after set backs is difficult to say the least. Zopa were there when I needed financial help, future and security. To be treated as a human being, as an individual, and not like something on the bottom of your shoe was a breath of fresh air. It was a pivotal point, I was turning a corner, the weight on my back and chest was lifting. I could stand tall and breath deeply. I still have a way to go, but unlike high street banks, I feel for the first time I am in the right financial house. I am looking forward to enjoying my time with the best bank I have ever had. Thank you zopa for your trust in me. Obtain a credit card was something I did expect. With a credit limit that was sensible. Being able to simply make payments online via the excellent App is so easy to do. Thank you for giving me hope, and a positive future. Reviewed on: 15th January 2025

Smooth easy process!

Smooth easy process!! Easy to do everything just by using the app as I prefer to do everything online!! Even the application process was easy and you get a notification every time you spend using your card Reviewed on: 15th January 2025

Excellent service and great customer support I’ve no...

Excellent service and great customer support I’ve not had any issues with this company and I would highly recommend Reviewed on: 15th January 2025

Good service and reasonable apr.

Good service and reasonable apr. Minimum repayment option or pay on full Reviewed on: 15th January 2025

Excellent service whit good rate and flexible payment

Excellent service whit good rate and flexible payment Reviewed on: 15th January 2025

Perfect to build credit score.

Perfect to build credit score. Easy to use app. Reviewed on: 15th January 2025

Use abroad.

Good service, keep me informed and free to use abroad. Reviewed on: 15th January 2025

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