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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)

Really good only company that would give me a chance...

Really good only company that would give me a chance I stuck with them really good app Reviewed on: 10th April 2024

Brilliant service, great product

Brilliant service, great product Reviewed on: 10th April 2024

I thought I wouldn't get a credit card but I did & i...

I thought I wouldn't get a credit card but I did & it's brilliant Reviewed on: 10th April 2024

Zopa credit card review.

I recently applied for, and received, a Zopa credit card. The application and affordability sections were very thorough, ensuring that you were entering a suitable agreement. The app is easy to negotiate and I've been extremely impressed with the knowledge, professionalism, and efficiency of the customer service team. Based on my own experience, I would definitely recommend the Zopa group to family and friends. Reviewed on: 10th April 2024

Excellent

It's good to I having Zopa credit card lot's help Reviewed on: 10th April 2024

Easy to use the app, customer services always on han...

Easy to use the app, customer services always on hand if there's any issues. Clear next payment due dates and notifications. Reviewed on: 10th April 2024

Would benefit from a better app but overall positive!

I find the app to be a bit clunky and not as user friendly as some other providers, and also I am concerned about how much additional financial detail it wants from me, (which I have not done!) but overall the service offered has been on par or above with my other credit cards and has given financial flexibility. Reviewed on: 10th April 2024

Quick and responsive , and great simple app

Quick and responsive , and great simple app Reviewed on: 10th April 2024

Excellent company

Never any problems with zopa from first applying right through to Present always kept informed of any changes and such and a great easy to use app. Reviewed on: 10th April 2024

Good rate update Everything good

Good rate update Everything good Reviewed on: 10th April 2024

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