Smart Money People Logo

Zopa: Credit card reviews

4.93
Based on 40,269 reviews, last reviewed 7th Jul 2025
67% decrease in 5 star reviews
in the past 90 days
88% 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

No complaints Card easy to set up and get going east repayments Reviewed on: 7th July 2025
Emily Bollers's avatar
Emily Bollers

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)

My review

5
It's fab ......................... Reviewed on: 26th January 2022

A-mazing

5
I more than a bank, I love the fact that they give notification each spend so you can keep an eye on balance as well as borrowing power and lots of deals. Reviewed on: 26th January 2022

Manageable Credit

5
With Zopa, I’m able to take control of my credit by using a cushion option. Reviewed on: 26th January 2022

Excellent service

5
Very easy to get credit card and give you a limit what you can afford so you don’t get in debt not like some companies who don’t really care if you can’t afford the debt or not Reviewed on: 26th January 2022

Excellent

5
It’s so easy for everything to use,talk too Reviewed on: 26th January 2022

Straightforward, easy borrowing

5
Zopa offers me a very easy to use and understand borrowing option. Can’t fault it! Reviewed on: 26th January 2022

I like Zopa

5
This sarvice is very good I’m happy with Zopa Reviewed on: 26th January 2022

Great card

5
I'm really happy with the experience of using the credit card , it's really easy to apply and it's a quick process. Reviewed on: 26th January 2022

Great customer experience

5
Had a few minor problems but when i called customer service they have been really polite and it got sorted straight away love using my zopa card Reviewed on: 26th January 2022

Very easy

5
I've managed to get on top of my financial situation by using this service Reviewed on: 26th January 2022

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 65247 reviews
    Zopa
    View all products