Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

View other Zopa products

4.86

Based on 44,354 reviews, last reviewed 1st Sep 2026

100% decrease in 5 star reviews

in the past 90 days

50% 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

This is illegal company, they charge about every thi... This is illegal company, they charge about every thing sometimes even for nothing... Government should be enquire about this...I can challenge it's a ... Read more Reviewed on: 1st September 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 (44354)

One of a kind

A simple, easy to use modern card that keeps you up to date with your account balance and repayments. Highly recommended Reviewed on: 11th April 2023

Easy to use app

Easy to use app , never had any issues 5 * Reviewed on: 11th April 2023

actually understands customers

they were more than happy to waive charges over my confusion on a payment - no hassles, no red tape, no computers.... refreshing Reviewed on: 11th April 2023

Easy to use and very helpfull

Great app, easy to use, good notifications and succinct communications Reviewed on: 11th April 2023

Great

Applied and was immediately approved without loads of question.Easy application with no fuss Reviewed on: 11th April 2023

Great card

Great card and great service. Tips on the app are very used too Reviewed on: 11th April 2023

Great for rebuilding

I have found Zopa to be a responsible lender and have been able to rebuild my credit score. I feel that I am in control my credit and can choose to increase or not. I like that payments are instant so you always know where you are at. Zopa for me have been amazing and if like me you need to rebuild your score or take better control over your spending then Zopa is perfect. Yes the interest rate is on the higher side, but if you keep your spending down and pay off either in full or more than the minimum you can keep on top of it. Also if you have a poor credit rating then you won’t get better! Reviewed on: 11th April 2023

Perfect :)

Great Company, easy to use App, fantastic customer service! Brilliant. Reviewed on: 11th April 2023

No quibble company

Amazing company. Keeps you up to date. Customer service is the best I have ever dealt with. Would recommend to friends and family Reviewed on: 11th April 2023

John

Efficient , helpful and always listen 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 Zable 4.81 from 123710 reviews
Partnership credit card
from John Lewis 2.13 from 905 reviews
Clubcard credit cards
from Tesco Bank 3.97 from 349 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