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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44334 reviews)

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4.94

Based on 44,334 reviews, last reviewed 20th Apr 2026

39% 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

Good service i like zopa Good service i like zopa rates and service Reviewed on: 20th April 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 (44334)

They helped me when I needed help

In my younger days I was not very……..good with money amongst other things. This led me to a bad credit file. After many a “No” Zopa said yes. I’ve been with them for just over a year. Already had a credit increase but more importantly because I have been on the button with payments etc. my credit score has started to go up. It’ll take a bit more work but I am thankful they gave me a chance. Great business. I’m just a standard bloke who works as a carpenter, I have two small children and a moaning Mrs :) (she’s not that bad). I only say this because this is a real review not like other reviews I read where they are obviously paid for somehow. Zopa are good for saving and helping with credit Reviewed on: 13th January 2023

Very simple and a great team

So easy to make payments and a very helpful team to worn with Reviewed on: 13th January 2023

Friendly and easy service

User friendly app and always super helpful and friendly customer service team. Great service, always! Reviewed on: 13th January 2023

Just a great company

Just so easy to use and they keep you posted all the time. Reviewed on: 13th January 2023

Fantastic

Brilliant easy to use app. Great they give people a chance who need a fresh start. Reviewed on: 13th January 2023

Excellent service

So easy to apply and use the App that gives you complete transparency and control of your spend Reviewed on: 13th January 2023

Excellent credit card

Smooth process from start to finish within no time at all I had my card - would highly recommend Reviewed on: 13th January 2023

top notch

quick and easy to apply and a decision straight away Reviewed on: 13th January 2023

Yep recommend

They helped me when I was on my knees with not being able to live,was desperate for money to buy food and petrol to get to work to pay the rent and bills. Reviewed on: 13th January 2023

Amazing company

Quick to sign up Very efficient customer service Just love them Reviewed on: 13th January 2023

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