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

Amazing

Great experience easy to get verification and really easy to understand and got my card within days Reviewed on: 11th April 2023

Excellent

Excellent service setting up my credit card Reviewed on: 11th April 2023

Top company

Zopa had faith in me despite my previous history Reviewed on: 11th April 2023

Zopa - A friendly and supportive bank

My experience with Zopa has been nothing short of fantastic - I am yet to have a direct experience with their customer service but accessing a credit card with a credit limit that greatly helped my financial situation has been a massive help, and I could not fault a thing. The Zopa app is extremely user-friendly and shows my limit, payment dates and any other helpful information clearly and concisely which is a great asset for any bank. Not only this, but the speed at which my card was sent to me and availability of credit was super quick which was a fantastic benefit. Overall I’m more than satisfied with all of the benefits I’ve already experienced with Zopa and would recommend them to anyone looking for an easy, accessible experience! Reviewed on: 11th April 2023

Great credit card

Customer services always helpful Reviewed on: 11th April 2023

Easy lifestyle

It has a great experience with zopa because it zopass others Reviewed on: 11th April 2023

Set Up and Go

Zopa offer well thought out approach to finances, be it a credit card or loan. The app is easy to set up and use and the notifications and information available are helpful and delivered in non invasive and appropriate ways. Reviewed on: 11th April 2023

Best Company i have come across

As a Zopa credit card holder, I can confidently say that this company has exceeded my expectations in terms of both value and service. From the moment I signed up, I was impressed by the competitive interest rates offered by Zopa, which have allowed me to save a significant amount of money on interest charges compared to my previous credit card company. Reviewed on: 11th April 2023

Easy apply and decent interest rate

Since I’ve had this card my credit score has climbed. It’s been easy to stick to payments. The app is easy to use and I was preapproved for the card with Clearscore before applying. Reviewed on: 11th April 2023

The Best in all.

I found it the best in my all available options. Can’t be thankful enough. 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 Luma 4.16 from 3 reviews
Overpay
from Incredible 4.19 from 5 reviews
Credit card
from Zable 4.82 from 123706 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