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)

Easy to use and navigate

Experience with Zopa has been amazing so far. I’m currently using the credit card and I have managed it very well so far and the app is very easy to navigate Reviewed on: 11th April 2023

Credit card

Very easy to use and keep tracking on the app.100% recommended. Reviewed on: 11th April 2023

No complaints

Easy to deal with, online portal works well Reviewed on: 11th April 2023

Well organised financial company

It is a financial company it doesn’t force you to go into more credit. Reviewed on: 11th April 2023

Such a help

After living abroad for over 30 years I returned to the UK with no credit score, Zopa was willing to aware me with a credit card that I have been able to use to build my score. The app is really easy to use. Reviewed on: 11th April 2023

Love it

Love the service smith transactions Reviewed on: 11th April 2023

Most responsible lender

I had not had any credit for over two decades, other than a mobile phone. I knew my credit rating was poor because of this. I applied for a Zopa credit card, and was accepted with a low manageable credit limit which was ideal and can be easily managed. The Zopa app is easy to use, and reminders of repayment dates and minimum amounts are sent every month. Fantastic company, they have helped improve my credit score no end. Very friendly and very professional in all dealings. Thank you Zopa. Reviewed on: 11th April 2023

Excellent service

A lot of other finance company could learn about the great customer service which they provide. The knowledge is valuable Reviewed on: 11th April 2023

Brilliant

Amazing service, never had a problem. Reviewed on: 11th April 2023

No hassle credit card

Had my zopa card for a few month and it's so simple to use and the app is great 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 HSBC 3.56 from 129 reviews
Credit card
from Zable 4.82 from 123708 reviews
Select Credit Card
from Nationwide 3.82 from 14 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
Current account
from Zopa 4.83 from 6600 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