Write a review

Zopa: Credit card reviews

Name: Credit card
Rating: 4.92 (40269 reviews)

View other Zopa products

4.93

Based on 40,269 reviews, last reviewed 7th Jul 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

No complaints Card easy to set up and get going east repayments Reviewed on: 7th July 2025

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

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.

Write a review

Zopa Credit card reviews (40269)

Zopa is amazing, wish I found you guys sooner.

Accepted with zopa for a credit card and car finance the other day, their customer service is off the charts. Amazing, well done guys you deserve to win this only had negative experiences with other providers. Reviewed on: 18th March 2021

Excellent service very pleased

Very good app looking forward to staying with Zopa Reviewed on: 18th March 2021

great easy to use service

easy to use service there when needed Reviewed on: 18th March 2021

Helpful

Supportive of you and your situation Reviewed on: 18th March 2021

Refreshingly competent

Of all the Credit Cards I have had and Credit Card companies I have dealt with, Zopa is the only one that stands out as being genuinely different...and far, far better. Their customer services department are excellent, the mobile banking app is straightforward and easy to navigate. and overall dealing with Zopa is refreshingly simple rather than complicated and frustrating as it is with all other financial service providers now days. I highly recommend Zopa. Reviewed on: 18th March 2021

excellent service

when I applied for a Zopa card it was simple and no issues prompt service Reviewed on: 18th March 2021

Super easy to set-up and use

Great card, easy to use with a great app and customer service. Also, not loads of spam emails just enough to let you know they are working hard behind the scenes. 10/10 Reviewed on: 18th March 2021

Outstanding

Very Good customer service , excellent experience, very good value. Reviewed on: 18th March 2021

Outstanding

Unfortunately after some difficult times I have found myself in debt (although paying them off I still find my credit rating to be extremely bad). I found myself applying for a zopa credit card to which I was accepted with a small credit limit of £200. I have only been impressed by Zopa. Their advisors are extraordinary and non judgemental, they really go above and beyond. I felt so at ease speaking with them and their application is so easy to work. With a glimpse of your credit rating and factors that go into it at a click of a button is amazing. It puts it all into one for me. I have never received such good service like it. I wish I knew about them from the get go instead of going with other companies to which I have had plenty of issues with and complaints not taken up. I feel like I’ve found myself a gold mine. The best most friendly company I’ve interacted with and I will definitely be with them for the long run whilst they grow and be spreading just how amazing they are. Once I pay off my other credit cards ZOPA will be the first one I’ll have no doubt about keeping an account open with. Happy to becoming a long term customer of theirs. There may be other banks chosen as zopa is not very heard of yet, but I want their company and their people to know that they ARE the BEST and they are the future. Their day will come. Thankyou for everything. Reviewed on: 18th March 2021

great app. , convenient and straightforward

good app , no issues , and importantly no connection problems, all helps to the good experience , why weren’t these guys round ten years ago Reviewed on: 18th March 2021

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

Credit Card
from Vanquis 4.32 from 549 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.02 from 59 reviews
Charge Card
from American Express 3.91 from 24 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.94 from 1262 reviews
Smart Saver
from Zopa 4.94 from 7180 reviews
Personal loan
from Zopa 4.94 from 65248 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

Zopa: Credit card reviews

100% decrease in 5 star reviews

100% decrease in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

2

About this product

Review Zopa: Credit card now

Zopa Credit card reviews (40269)

Zopa is amazing, wish I found you guys sooner.

Excellent service very pleased

great easy to use service

Helpful

Refreshingly competent

excellent service

Super easy to set-up and use

Outstanding

Outstanding

great app. , convenient and straightforward

Do you have a different Zopa product?

Want to see more from Zopa?

Cash ISA

Smart Saver

Personal loan

Join Smart Money People

News, guides and insight from our team

UK money news stories - 24 July 2024

Your Money, Your Voice: Have your say

Our latest research - customers see little impact of FCA's Consumer Duty one year on

Consumer credit awards winners 2024