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

Zopa: Credit card reviews

View other Zopa products
4.94
Based on 44,328 reviews, last reviewed 18th Apr 2026
44% increase in 5 star reviews
in the past 90 days
400% increase 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

Good customer service, Good customer service, good listening. Attend to carefully Reviewed on: 18th April 2026
Eunice O's avatar
Eunice O

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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 (44328)

Money wise

5
The online app. Is extremely easy to navigate, so you know exactly where your upto. Notifications are brilliant. I Can't fault the help and services provided. Reviewed on: 17th April 2025
Darrell S's avatar
Darrell S

I have been very please with my experience with ZOPA...

5
I have been very please with my experience with ZOPA with their easy to use app that not only helps me track my credit but also gives me personalised offers for loans and also helps me link my personal bank bank/credit card accounts for easier access. Reviewed on: 17th April 2025
Dylan M's avatar
Dylan M

Of the six credit cards I’ve had Zopa has been...

5
Of the six credit cards I’ve had Zopa has been the best Reviewed on: 17th April 2025
Elly's avatar
Elly

I have found using Zopa very easy the app is...

5
I have found using Zopa very easy the app is great Reviewed on: 17th April 2025
sam noor's avatar
sam noor

Zopa great

5
Great service, great app, easy to use Reviewed on: 17th April 2025
Charles D's avatar
Charles D

I've had a great experience with the Zopa Credit Card.

5
I've had a great experience with the Zopa Credit Card. The app is super easy to use, and everything is really transparent – no hidden fees or confusing terms. Payments are straightforward, and I love the real-time notifications. Customer service has also been responsive and helpful whenever I had a question. Definitely recommend for anyone looking for a reliable and modern credit card. Reviewed on: 17th April 2025
Julius N's avatar
Julius N

I have had no problems or issues with my card.

5
I have had no problems or issues with my card. Has been plain sailing sine applying for and receiving my card Reviewed on: 17th April 2025
Richard G's avatar
Richard G

Zopa accepted me with no hesitation.

5
Zopa accepted me with no hesitation. I have been a customer for 2 years my experience has been excellent and would advise anybody to use this company without hesitation. Reviewed on: 17th April 2025
Tracy B's avatar
Tracy B

Very helpful !

5
Very helpful ! Had a problem with my app and got it sorted right away !also got my new card replaced less than a week !! Reviewed on: 17th April 2025
Christine's avatar
Christine

My starting credit limit is low.

4
My starting credit limit is low and it's yet to be increased. Zopa will get a 10/10 and 5 star from me when they increase my credit limit. Reviewed on: 17th April 2025
Cornel O's avatar
Cornel O

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