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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)

Great app great customer service easy to use and spe...

Great app great customer service easy to use and speak to Reviewed on: 15th January 2025

Best card provider I've used

Incredibly fair card provider, i don't get reported to the reference agencies for using my card regardless of what percentage of the limit I use. Unlike my other card provider Reviewed on: 15th January 2025

A card that I would recommend to a friend

The app is easy to used and even your credit score is not great they gave you a chance. Reviewed on: 15th January 2025

Great credit company.

I have never had any issues with Zopa their customer interaction is superb and i am kept up to date on credit increases and I also get early repayment statements. Really good provider. Reviewed on: 15th January 2025

I love the app...

I love the app it’s easy to use gives a break down on how you used your card I like the face that you can make your own PIN number too easy to apply for too Reviewed on: 15th January 2025

Zopa gave me a credit card when I needed it most and...

Zopa gave me a credit card when I needed it most and the credit I needed. They are there when you need them and are very competitive with their credit card, and I recommend anyone in getting one Reviewed on: 15th January 2025

i have no issues at all.

i have no issues at all. been more than happy with my card and how its dealt with Reviewed on: 15th January 2025

Great app and great service

I can’t fault Zopa, great app and always keeping me up to date with my balance and current status. Used mainly for my holidays but no complaints so far. I haven’t used the other services - car finance, loans, bank account, but I plan to in the future. Reviewed on: 15th January 2025

Good card good people excellent best card service

Good card good people excellent service Reviewed on: 15th January 2025

manageable and easy to apply, easy when u pay .

manageable and easy to apply, easy when u pay . Reviewed on: 15th January 2025

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