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

Zopa: Credit card reviews

View other Zopa products
4.93
Based on 41,845 reviews, last reviewed 16th Jan 2026
77350% increase 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
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

I'm very happy with the service. I'm very happy with the service. After verification, the money was immediately deposited into my account. A very good bank. Thank you. Reviewed on: 16th January 2026
Sylwia Glawinska's avatar
Sylwia Glawinska

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025
David Lowe's avatar
David Lowe
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 (41845)

Fantastic

5
Easy to apply and easy to manage on app Reviewed on: 15th February 2021
Claire's avatar
Claire

Easy peasy

5
I am new to Zopa and find it very easy to use and check balance, make payments etc Reviewed on: 15th February 2021
s29nmc@gmail.com's avatar
[email protected]

Flexible, accessible and transparent product with excellent customer service

5
Very good user-friendly website with easy to navigate pages. The vetting process is quick and easy to follow. Decisions are speedy. Once loans are granted you can track repayments easily. Early repayment is no bother. One of the best companies around Reviewed on: 15th February 2021
hirsty's avatar
hirsty

Very good company

5
Trustworthy and honest company. Affordable repayments and customer service is always good Reviewed on: 15th February 2021
J's avatar
J

The best overall card and service

5
The app and the card are brilliant Reviewed on: 15th February 2021
Mr b 's avatar
Mr b

Zopa are the perfect choice to help rebuild your finances and credit rating. Excellent!

5
At the point of first contact when I took the card on Zopa have been supporting and open in their practice, nothing hidden, I would highly recommend them to family and friends. Reviewed on: 15th February 2021
Andrew Mearman's avatar
Andrew Mearman

Excellent service

5
Great service , great comma and updates including a quick red on credit rating every month A+++ for someone rebuilding credit rating Reviewed on: 15th February 2021
Rob's avatar
Rob

Awesomely easy

5
Easy to use app, great features and hassle free. How credit cards should be. Reviewed on: 15th February 2021
markvyse1805@icloud.com's avatar
[email protected]

What you see is what you get!

5
I love the zopa credit card, easy to keep track of your spending by using the app as soon as you make a purchase its viewable on the app reducing your balance straight away, customer service is amazing lots of ways to make your monthly payments to!!! Reviewed on: 15th February 2021
Karen Fullwood 's avatar
Karen Fullwood

Simple and easy to use

5
App works well and works well just what you want from a credit card Reviewed on: 15th February 2021
Chrisdl's avatar
Chrisdl

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

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