Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

View other Zopa products

4.86

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 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

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)

ok

ok ok ok ok ok ok ok ok ok ok ok ok ok ok Reviewed on: 11th April 2023

Ease of service

Best part is the cushion facility. Shows that Zopa actually care about it’s customers and falling into more debt. Reviewed on: 11th April 2023

Credit card.

It was so easy and using the app to pay my bill and keep an eye on my card. Reviewed on: 11th April 2023

Amazing

Zopa Credit Card is one of the best credit cards. Its easy to use; the app is wonderful. Highly recommended. Reviewed on: 11th April 2023

Review

Helpful in running my banking needs and on line if I need help overall great Reviewed on: 11th April 2023

Brilliant customer service

Never had problem with zopa customer service always give good advice and nothing is to much for them much appreciated many thanks. Reviewed on: 11th April 2023

Brilliant service brilliant company

Zopa are a responsible lender who look after there customers. Everything is straight forward and easy. I have used other credit card companies but Zopa is definitely the best. Reviewed on: 11th April 2023

Easy good control

Easy credit card with low interest carat fault it easy to use the app aswell all round 10 out of 10 Reviewed on: 11th April 2023

Simple application

Easy to apply for needed for urgent repairs very happy Reviewed on: 11th April 2023

Got me back on my Feet

Entrusted me and given me back a financial future 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

All in One Credit Card
from Santander 4.39 from 24 reviews
Credit Card
from Bank of China (UK) 4.12 from 2 reviews
Clear Rate Platinum Credit Card
from NatWest 3.98 from 21 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