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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)

Great 0% offer and limit, easy to use app.

Great 0% offer and limit, easy to use app. Reviewed on: 9th April 2024

Always found them polite and very helpful, always so...

Always found them polite and very helpful, always sorted any problems quickly and efficiently, there rates are reasonably and there app easy to understand and use Reviewed on: 9th April 2024

Excellent customer service and value for money

Zop's customer service is excellent. The app is user-friendly. Reviewed on: 9th April 2024

No issues

Never had any issues. Like the app very helpful Reviewed on: 9th April 2024

Easy to use app good payment reminders and instant m...

Easy to use app good payment reminders and instant message on spending Reviewed on: 9th April 2024

Friendly, practical and is a great card for realisti...

Friendly, practical and is a great card for realistic credit limit tailored to financial circumstances Reviewed on: 9th April 2024

Very quick decision, really easy process, received t...

Very quick decision, really easy process, received the card quickly and would highly recommend Reviewed on: 9th April 2024

Easy to use app, never any issues with making payments.

Easy to use app, never any issues with making payments. Everything is very smooth. Reviewed on: 9th April 2024

Super Zopa

Such an easy to use service. Open clear and honest. No hidden clauses Reviewed on: 9th April 2024

Zopa absolutely makes sense.

Having a middling credit score was not an issue and was welcomed with a reasonable limit and an app which is 5 stars for usability. Very pleased with the customer service and I am pleased to say, that I would recommend Zopa to anyone that wants help with Improving their credit score and even budgeting. Reviewed on: 9th April 2024

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