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)

Great App - simple to use

Great App - simple to use, lovely colour scheme and never had an issue with it Reviewed on: 21st February 2023

Great service

Great service and product. Very happy with everything. Reviewed on: 21st February 2023

Poor credit score/finances

Due to my poor credit score I struggled with finance. Zopa have really helped me through tough times. Reviewed on: 21st February 2023

Excellent

Excellent, never any issues. No issue with card and my credit limit was increased Reviewed on: 21st February 2023

Brilliant and swift seervice

From start to finish, the process of applying and receiving my credit card was easy and swift. Reviewed on: 21st February 2023

Outstanding Company

I am so grateful to Zopa for accepting me as a new credit card holder! Very good phone app they have and amazing customer service! I will keep my fingers crossed for them to win the Best Credit Card Company 2023 competition! Reviewed on: 21st February 2023

Brilliant straight forward company

Highly recommended company straight forward with what you have to pay and fair with credit limits Reviewed on: 21st February 2023

Helpfull

Always on hand to help you Friendly service Fast response Reviewed on: 21st February 2023

Brilliant card, easy to use

Such an easy process to apply, information clear and concise; with a very easy app to manage/pay. I cannot recommend highly enough Reviewed on: 21st February 2023

Credit card

Very nice and easily accessible for credit 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

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