Smart Money People Logo

Zopa: Credit card reviews

4.93
Based on 40,269 reviews, last reviewed 30th Jul 2025
100% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Good experience no nonsense approach to banking Good experience no nonsense approach to banking Reviewed on: 30th July 2025
William 's avatar
William

Latest lowest rating:

2

You are not fair,when we have a good credit score yo... You are not fair,when we have a good credit score you said is not enough,it's poor,very poor. Reviewed on: 25th April 2025
Ovidiu Rucareanu's avatar
Ovidiu Rucareanu

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience. Write a review

Zopa Credit card reviews (40269)

Easy to understand website.

5
Easy to understand website. Clear and consice information. Reviewed on: 23rd April 2025

Smooth paying method fab customer service and lots m...

5
Smooth paying method fab customer service and lots more options on app than other credit cards Reviewed on: 23rd April 2025

In my own view, generally Zopa is one of the...

5
In my own view, generally Zopa is one of the best Reviewed on: 23rd April 2025

Using the app to control both my accounts are very e...

5
Using the app to control both my accounts are very easy. Reviewed on: 23rd April 2025

Never had an issue, great bank and great benefits

5
Never had an issue, great bank and great benefits Reviewed on: 23rd April 2025

Brilliant card for my use in everyday life

5
Brilliant card for my use in everyday life Reviewed on: 23rd April 2025

Easy to apply and good products.

5
Easy to apply and good products.. great interest on current accounts Reviewed on: 23rd April 2025

Zopa are 1st class!

5
Zopa are 1st class!, they help you keep track of when payments are due and help with improving your credit score. Reviewed on: 23rd April 2025

Zopa have great rates on credit cards and loans

5
Zopa have great rates on credit cards and loans Reviewed on: 23rd April 2025

Zopa gave me a card, when most wouldn't, which gave...

5
Zopa gave me a card, when most wouldn't, which gave me a chance to get on and try to sort out my other finances Reviewed on: 23rd April 2025

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from Zopa?

  • Current account

    from Zopa 5.00 from 2 reviews
    Zopa
  • Cash ISA

    from Zopa 4.94 from 1262 reviews
    Zopa
  • Smart Saver

    from Zopa 4.94 from 7180 reviews
    Zopa
    View all products