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 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)

Decent bank

Not had a bad not good experience just average Reviewed on: 21st February 2023

Happy

Excelent very happy very good ❤️ Reviewed on: 21st February 2023

Excellent product

An easy application with quick acceptance and plenty of communication to keep me informed. Sensible credit limit and timely reminders when payment is due. Very happy with my card Reviewed on: 21st February 2023

Great company

The initial process is very easy, the apo to manage your money is super easy all in all very happy Reviewed on: 21st February 2023

BEST CREDIT CARD EVER SEEN

It is very helpful card Best customer service I am glad to be part of zopa Reviewed on: 21st February 2023

Good common sense card

I've been using this card for 2 years to get my credit score up which it has. Very good product. Reviewed on: 21st February 2023

happy

Im very happy with zopa is always helpful to have this cart Reviewed on: 21st February 2023

Ok

Ok Reviewed on: 21st February 2023

Perfect!

Excellent company who make things very clear. In the past I have struggled to understand where my money is up to but with the help of Zopa they have made things very clear and simple to understand and have helped me manage my finances a lot better. I personally think the way they have set out is perfect I would definitely recommend this company for anybody who would like to understand their finances that bit more. They work different to other companies out there that I have had in the past and seems as though they are there to genuinely help you rather than a company putting you in to debt. Thank you for all your help Zopa it’s very much appreciated. Reviewed on: 21st February 2023

Credit

Zopa Credit card actually is the best credit card I could have ever. They do offer more credit every time. Reviewed on: 21st February 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 (discontinued)
from Tymit 4.68 from 155 reviews
Credit card
from Debenhams 4.14 from 15 reviews
Credit card
from 118 118 Money 4.73 from 5645 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