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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44344 reviews)

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4.87

Based on 44,344 reviews, last reviewed 22nd May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Poor credit, no problem Having poor a poor credit score I struggled to to get credit anywhere, Zopa offered me a lower but reasonable amount credit card to help build my cred... Read more Reviewed on: 22nd May 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44344)

excellent service very friendly very good service

excellent service very friendly very good service Reviewed on: 15th January 2025

Self esteem

I had a very mediocre to poor credit score when Zopa accepted me. I was just coming out of the other dude of pretty awful time both personally and financially ; not my doing. As simple as this sounds it helped me regain some self esteem and allowed me to move on again. For want of better words I believed they ‘trusted’ me and they’ve been very straightforward to deal with since. Obviously this has also helped improve my credit rating too. Thank you. Reviewed on: 15th January 2025

Money lending made simpe, go with Zopa!

Efficient, polite, easy, just an overall easy process and experience. The whole process was made simple. The customer service was excellent. Very friendly staff and very help with the setting up of my account Reviewed on: 15th January 2025

It was a wonderful experience so far

It was a wonderful experience so far Reviewed on: 15th January 2025

It was easy to apply and easy to set up

It was easy to apply and easy to set up Reviewed on: 15th January 2025

I applied for a card and was quickly approved.

I applied for a card and was quickly approved. My initial credit limit was low but after just a few months my limit was reviewed and extended to better suit my needs. Reviewed on: 15th January 2025

Great card great promotion and opportunities to buil...

Great card great promotion and opportunities to build credit and increase credit limit Reviewed on: 15th January 2025

I applied for a credit card to try and improve my cr...

I applied for a credit card to try and improve my credit rating got accepted find payments back amd intrested not bad at all the app is very manageable amd easy to use Reviewed on: 15th January 2025

Easy to use and easy to make payments

Easy to use and easy to make payments Reviewed on: 15th January 2025

Top card.

Top card. Very good customer service Reviewed on: 15th January 2025

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