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 use customer friendly

5
Customer friendly app and service happy to help with any queries or questions Reviewed on: 26th January 2022

Great service

5
Boss services would recommend to other members and friends of family Reviewed on: 26th January 2022

Quick, easy and then smooth sailing

5
Joining Zopa was quick and easy - afterwards, app very easy to use and no problems at all - good service, would recommend Reviewed on: 26th January 2022

Greatness

5
Easy to apply, pay for and keep track off with the app Reviewed on: 26th January 2022

Handy

5
I only use one credit card and this is the one I use. Easy because I have downloaded the app. Reviewed on: 26th January 2022

helpful and transparent

4
quick helpful and transparentIi all my transaction Reviewed on: 26th January 2022

Best card to build up bad credit history

5
Very easy to access and use.on the top gud customer service Reviewed on: 26th January 2022

Already recommended

5
Has done wonderful things for my credit score. Already recommended to alot of people Reviewed on: 26th January 2022

Brilliant

5
Amazing to do the top up shop and then pay off Reviewed on: 26th January 2022

Simple, transparent and easy to use

5
Online application, approved in seconds. Card arrived in post 2 days later and easy to update settings on app 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?

  • 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