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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)

FIrst class staff always helpful

Treated me first class staff always helpful Reviewed on: 15th January 2025

Zopa is an easy to use card and any payments you mak...

Zopa is an easy to use card and any payments you make to settle your balance are credited immediately (subject to bank clearance). This is great rather waiting 2-3 days in the case of a lot of other cards. Reviewed on: 15th January 2025

So simple and easy

Once accepted I received the card in the post relatively quicky. I have been using the card on a regular basis each month with no hassles at all. On clearing the bill every month, I couldn't be happier as the card is paid and cleared within very short time frame, meaning I have no hold up on when I can use the card again. Overall I've been impressed with how easy and straight forward everything with zopa has been, from signing up to paying the bill every month Reviewed on: 15th January 2025

Quick and easy to use.

Quick and easy to use. The app is really convenient and easy to use Reviewed on: 15th January 2025

Zopa is great :)

Easy application process and a great banking app! Reviewed on: 15th January 2025

Good service and knowledgeable staff

Good service and knowledgeable staff Reviewed on: 15th January 2025

Awesome features in app

Offered manageable credit limit, then increased limit as i proved myself a lot of good extra features and potential offers in the Reviewed on: 15th January 2025

Excellent company

Always remind when payment is due but don't hassle. Card came out quickly and set up explained simply. Reviewed on: 15th January 2025

Zopa have been very at helping me manage my card.

Zopa have been very at helping me manage my card. Reviewed on: 15th January 2025

zopa bank is a great bank it has giving me a.

zopa bank is a great bank it has giving me a. great experience of money in needed time. Reviewed on: 15th January 2025

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