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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)

I haven't had a bad experience so far all good.

I haven't had a bad experience so far all good. Reviewed on: 9th April 2024

Excellent no problems with service

Excellent no problems with service Reviewed on: 9th April 2024

Easy application process.

Easy application process. App very good and easy to use. Also lots of information to hand. Reviewed on: 9th April 2024

Brilliant experience highly recommended for someone...

Brilliant experience highly recommended for someone who’s looking build up credit Reviewed on: 9th April 2024

Satisfied with zopa

Overall Good experience with their credit card Reviewed on: 9th April 2024

Fair, supportive, responsible, friendly lender.

The application was very straightforward. I was given a starter credit limit that was sensible and that I could definitely afford. Every time I use my card I am updated via my phone to let me know how I'm progressing. The app is very easy to use. I feel I am kept informed and in control of my finances. When other lenders rejected me, Zopa gave me a chance to regain my self esteem and improve my credit score. I felt trusted to regain some trust from a friendly professional lender. I also like the design of the credit card. It is easily located in my wallet because of its distinctive colour and logo. I would highly recommend Zopa to anyone who wants to regain control of their finances and the trust of a credit company. I like that I can repay as much as I like when I like towards my balance without any pressure to pay more than the minimum amount but with the facility to clear my balance if I can afford it. Some lenders constantly hassle you and are too ready to up your credit limit but not Zopa. They are definitely the most responsible and supportive lender I have come across. Reviewed on: 9th April 2024

Excellent, easy application and clear and consistent...

Excellent, easy application and clear and consistent communication. Reviewed on: 9th April 2024

From borrower to saver

Excellent service and reminders throughout. So good I decided to open a svings account with them once I had paid off my loan. Reviewed on: 9th April 2024

They are the best in terms of efficiency and profess...

They are the best in terms of efficiency and professionalism. Reviewed on: 9th April 2024

Painless easy application with a easy to navigate we...

Painless easy application with a easy to navigate website. Reviewed on: 9th April 2024

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