Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44353 reviews)

View other Zopa products

4.87

Based on 44,353 reviews, last reviewed 20th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

This is one of the reasons why I chose him. Compared with other banks' credit cards, there are very few credit cards without currency conversion fees at present! Reviewed on: 20th August 2026

Latest lowest rating:

1

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 2026

Read all reviews See your 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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44353)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

Good credit card company

I love the experience I have with Zopa credit card.I am able to see my purchases instantly and also to know other areas I am not doing well.This has shaped how I use my credit card.I value Zopa as a good credit card company Reviewed on: 11th April 2023

excellent service

Zopa credit card service is second to none. I would recommend it to everyone I know and even people I don't know. In a word FABULOUS Reviewed on: 11th April 2023

Fantastic company

Easy to use app . Reviewed on: 11th April 2023

Ease of use

Very happy with the credit card. No hidden issues. All above board. Very good communication when dealing with issues. Reviewed on: 11th April 2023

Simple

So easy to use app is great and user friendly why are they all not like Zopa?? Reviewed on: 11th April 2023

Perfect card

Perfect card to rebuild your credit rating Reviewed on: 11th April 2023

Great credit card. Not problems at all

Been with zopa for about six months. Not had a problem at all. Great company alway keep me update on what's going on. A++ Reviewed on: 11th April 2023

When required I am always given the required help and assistance to resolve my query.

I had an issue with the app and after a few minutes explaining the procedures, I had no further problems accessing it. Reviewed on: 11th April 2023

Transparent and in my control

The app puts me fully in control of my credit card, i have all my information at a glance. Zopa offers limit increases at a sensible rate and when you are eligible, but also lets you turn them down, which is great to keep you in control. Reviewed on: 11th April 2023

Recommended credit card

I have been with zopa quite a few months now. Have never had any problems with them. Communication was great through out the application process and acceptance was really fast. Reviewed on: 11th April 2023

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 Shop Direct 4.23 from 6 reviews
Zero Credit Card
from Santander 4.25 from 22 reviews
Credit card
from Yonder 4.84 from 953 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 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