Smart Money People Logo
Share this page
Link copied

Zopa: Credit card reviews

View other Zopa products
4.93
Based on 40,270 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
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 (40270)

Trusted and most helpful credit card provider.

5
I never had credit card before until I needed one. I have been turn down many times from different banks and other companies because I don’t have good credit score. Surprisingly, when I tried Zopa, they accept me without hesitations consider I only have really low credit limit. They are really amazing!! Highly recommended. Reviewed on: 29th March 2022
Non Desistas Non Exieris's avatar
Non Desistas Non Exieris

Easy to use

5
Easy to apply, app is easy to understand, and its simply to transfer payments to the card... Reviewed on: 29th March 2022
Laura Twine's avatar
Laura Twine

Just great

5
I applied and within ten mins I was accepted and ready to go download the app and it couldn’t be easier fantastic company Reviewed on: 29th March 2022
Tracy Mcgeachin's avatar
Tracy Mcgeachin

Excellent Bank

5
Its easy to open an account, and it's managed to do banking online and do some transfer. Reviewed on: 29th March 2022
Colen 's avatar
Colen

Great service

5
Absolutely amazing service and information given in all aspects Reviewed on: 29th March 2022
Andrew Alexander's avatar
Andrew Alexander

Excellent credit card

5
Everything on line, just a finger print away. So easy to understand. Layout is brilliant, thank you. Reviewed on: 29th March 2022
Gerry Obyrne 's avatar
Gerry Obyrne

Easy and fast service and updates available

5
Easy and fast service and updates. Reviewed on: 29th March 2022
brahm kumar's avatar
brahm kumar

Straightforward and easily managed

5
Excellent credit card service with real-time payment capability and very clear terms. Highly recommended. Reviewed on: 29th March 2022
RobC's avatar
RobC

Great service

4
Ever since I received my card, the app makes it easy to manage and control my spendings. And whenever I call up they always have right answers. So great service all around. Reviewed on: 29th March 2022
Cedrick Kalala's avatar
Cedrick Kalala

Very good & very easy

4
Zopa have a great service and a great support team to help you along the way, with a easy set up and account system. Brilliant company. Reviewed on: 29th March 2022
James's avatar
James

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 4.94 from 1262 reviews
    Zopa

  • Smart Saver

    from Zopa 4.94 from 7180 reviews
    Zopa

  • Personal loan

    from Zopa 4.94 from 65248 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