Smart Money People Logo
Go to business site
Share this page
Link copied

Zopa: Credit card reviews

View other Zopa products
4.94
Based on 44,340 reviews, last reviewed 1st May 2026
36% increase in 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st May 2026
Stembile D's avatar
Stembile D

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
Read all reviews Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Zopa Credit card reviews (44340)

Best card for me

5
Best easy useful credit card you need Reviewed on: 14th January 2023
yslfilm@yahoo.com's avatar
[email protected]

Uncomplicated credit

5
Unlike other “bad credit” companies I have found Zopa to be refreshingly easy to use. Responsive customer service, transparent information about potential charges and due dates. Most importantly an app that actually works and allows you to pay off your debt. I particularly like the savings pots which I use to manage my account. I’m a very satisfied customer. Thank you Zopa! Reviewed on: 14th January 2023
andrew@frothycoffeedude.co.uk's avatar
[email protected]

Fantastic company

5
Fantastic company card is amazing the app is the best and when u make payments take seconds to go on absolutely amazing company 10 out of 10 from me guys Reviewed on: 14th January 2023
Robert's avatar
Robert

Simple - Straightforward and Honest

5
I reluctantly took up an offer to try for a card from Zopa, couldn't believe the simplicity in comparison with some other credit companies, now I fully realise that may not always be a good sign, but I can assure you in this case, it defineately is. Zopa are class, end of. Reviewed on: 14th January 2023
Robert W's avatar
Robert W

Good

4
Rely good experience no hassle on line banking so easy Reviewed on: 14th January 2023
Graham Birch's avatar
Graham Birch

Good

4
All Good. Can recommend friends. Reviewed on: 14th January 2023
Simplice 's avatar
Simplice

The app is Very simple to use

5
Decent rates for someone getting back into good credit Reviewed on: 14th January 2023
Gavin kerr's avatar
Gavin kerr

Happy

5
I have been very satisfied with the Zopa credit card and the service provider. I would recommend Zopa credit. Reviewed on: 14th January 2023
Lee Woolcott-Ellis's avatar
Lee Woolcott-Ellis

Great company always helping when you need it most

5
Zopa have given me a chase where no one would, one of the greatest financial institutions I have come across thank you Reviewed on: 14th January 2023
Lee ketteringham 's avatar
Lee ketteringham

Excellent service

5
Always so helpful and guides you through any problems you may envisage Reviewed on: 14th January 2023
James walker's avatar
James walker

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?

  • Cash ISA

    from Zopa 4.95 from 1545 reviews
    Zopa

  • Personal loan

    from Zopa 4.95 from 69082 reviews
    Zopa

  • Current account

    from Zopa 4.93 from 6589 reviews
    Zopa
    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
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill