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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)

Easy to deal easy to pay on the app

Easy to deal easy to pay on the app Reviewed on: 15th April 2024

Easy to keep up too date with statements on the...

Easy to keep up too date with statements on the app Reviewed on: 15th April 2024

Brilliant company

First time borrower and must say the process was smooth , the Zopa staff that called were extremely efficent and helpful . Money was paid in under an hour into my account ... making it easy to now get some my home improvements completed . Would definitely use Zopa again , could not be happier . Thank You Zopa Reviewed on: 15th April 2024

User friendly systems, you can’t complain.

User friendly systems, you can’t complain. It’s excellent Reviewed on: 14th April 2024

Professional

The whole process was trouble free Reviewed on: 14th April 2024

in general a good experience

In general, utilising this open credit card proved to be a positive encounter. They offer a variety of optional features that consider your financial means and evaluate your credit to give you a complete picture of your finances. The app interface is user-friendly and functions smoothly, resulting in a satisfying experience. Reviewed on: 14th April 2024

Really easy to use.

Really easy to use, app does exactly what you would expect it to. Credit cushion is a great feature. Reviewed on: 14th April 2024

Outstanding Supporting Service, always simple & easy...

Outstanding Supporting Service, always simple & easy, very responsive service when required Reviewed on: 13th April 2024

It's great I have used for over year good experience...

It's great I have used for over year good experience Reviewed on: 13th April 2024

They are an amazing company and have a great knowled...

They are an amazing company and have a great knowledge base and I’m very happy with there service and pleased I chose them Reviewed on: 13th April 2024

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