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Zopa: Credit card reviews

Name: Credit card
Rating: 4.92 (40271 reviews)

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4.93

Based on 40,271 reviews, last reviewed 14th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Help ed me when needed with more money Help ed me when needed with more money Reviewed on: 14th October 2025

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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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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Zopa Credit card reviews (40271)

Best credit card around!

I had poor credit and wanted to build up my credit score, zopa accepted me and its brilliant APR! Actually below 30%! Reviewed on: 26th January 2022

Great company

Been with zopa a while now, found them nice and easy to manage everything from payments to balance. Had no issues with the company very happy with everything they offer. Reviewed on: 26th January 2022

I would recommend

I am happy with the credit given the easy set up to pay back and gain more credit it’s all about trust Reviewed on: 26th January 2022

Easy, trustworthy and transparent.

Using the Zopa app has been very easy, it's clearly laid out and simplistic - still managing to cover everything important and supplying an efficient service. The reminders never feel intrusive and seem friendly, which puts you at ease if by chance you've missed a payment! When being offered a limit increase, it did not feel forceful and the option to not accept was visible and clear. This made me feel like they are a more trustworthy than other creditors I have used in the past. Go zopa! Reviewed on: 26th January 2022

What an amazing service

Such a great service, you can manage absolutely every aspect of your account via the smart phone application, I couldn’t be happier!!! ❤️ Reviewed on: 26th January 2022

Brilliant

Love the app has everything you need very easy to manage. Love the lock feature where you can lock an amount for emergencies Reviewed on: 26th January 2022

Very good card

Easy to use good app can pay by bank transfer too if you lose your card Reviewed on: 26th January 2022

Brilliant card to be with

Excellent service would recommend to friends and family the best card ever good for poor credit rating the card didnt take long to come through the post easy getting the app recommend this card i have put most of my colleagues at work and they are enjoying being with this card thank you amazing Reviewed on: 26th January 2022

zopa stands stunning among credit cards

The repayments made will reflect straight into account with in no time and never had a issue with zopa , wonderful company gives ample of offers Reviewed on: 26th January 2022

Very recommended

Quick And easy, good app easy to pay and keep track of everything Reviewed on: 26th January 2022

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