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:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Great app easy to use

Not had any issues. Always use he app as easy to navigate Reviewed on: 11th April 2023

Rapid Response Credit Card

Immediate positive decision 3 Days later, my card arrives App is great Reviewed on: 11th April 2023

So easy to use

Zopa is easy to use and have helped me build my credit score very i love it Reviewed on: 11th April 2023

Straightforward credit card

Easy to apply and the app makes it so easy to manage, great communication and payment is reflected in your balance straight away providing peace of mind. Reviewed on: 11th April 2023

Good customer service

Always very helpful never pressure you for payments. Just make sure that you can afford to pay back what you can or highly recommend this company to anyone. Keep up the good work everyone Reviewed on: 11th April 2023

They do good by me

No complaints, everything works and payments are shown straight away. No problems thus far. My second time either them, all happy. Reviewed on: 11th April 2023

Fees responsible lenders

Have had a card for a while now and get regular communication with updates. Easy to use app Reviewed on: 11th April 2023

Really helpful

Needed extra cash on credit and Zopa helped with what was looking for Reviewed on: 11th April 2023

Amazing

This company well I had an issue with in 20 Mins it was solved and resolved could not fault any thing best card yet Reviewed on: 11th April 2023

First class service

Any time I needed to contact them always very helpful 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

Bip Credit Card
from NewDay 4.80 from 2286 reviews
Credit card (discontinued)
from Wave (inactive) 3.85 from 3 reviews
Platinum Cashback Credit Card
from American Express 4.35 from 71 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