Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44351 reviews)

View other Zopa products

4.87

Based on 44,351 reviews, last reviewed 17th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

very nice service i like zopa all service i love zop... very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd July 2026

Latest lowest rating:

1

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 2026

Read all reviews See your review

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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44351)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Brilliant

Easy application and they show they are not trying to rip you off or make repayments a struggle as the re-payments are manageable making Zopa a great choice for everyone. Reviewed on: 22nd February 2023

Easy efficient painless

Easy to use app and many option to repay how much you want when you want. Would definitely recommend Reviewed on: 22nd February 2023

My Zopa is truly worthwhile

Zopa on line application was quick easy and my credit check fast as was the decision. I’m glad to be a part of the Zopa family thank you Reviewed on: 22nd February 2023

super

great card super service help at hand all the time love it Reviewed on: 22nd February 2023

Zopa credit card

Very good highly recommended everything is just perfect from making payments to using the app recommend Reviewed on: 22nd February 2023

Zopa

As above mentioned In fact I have not been able to use any benefits for using their card, but also nothing than the credit have offered by them anyway Reviewed on: 22nd February 2023

Great service

Easy to spend, track and pay the bills Reviewed on: 22nd February 2023

Smart money credit

Very simple to use, the most amazing customer service experience company you can find in the UK, Best credit company would highly recommend to friends and family!!!! Reviewed on: 22nd February 2023

The app is great to use

Over all exsperance great the app is really easy to use Reviewed on: 22nd February 2023

Excellent

Great company it really helped me alot Reviewed on: 22nd February 2023

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

Alternative products

Platinum Credit Card
from Lloyds Bank 4.22 from 57 reviews
123 credit card (discontinued)
from Santander 4.22 from 162 reviews
Freedom Rewards Credit Card
from Barclaycard 3.67 from 63 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub