Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

View other Zopa products

4.87

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 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 (44354)

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 customer experience

From beginning to end this whole experience had been a breeze and explained at every step. Would recommend to everybody. Reviewed on: 21st February 2023

The best credit card ever!

Low fee! Easy to use! The best way to borrow money! Reviewed on: 21st February 2023

Easy and good company to speak to always friendly and helpful

Best experience I’ve had never had an issue with my card would be nice to have a better limit but for now it’s still help full Reviewed on: 21st February 2023

Simple CC

Easy to use, instant updates! Absolutely no brainer to use! Reviewed on: 21st February 2023

Zopa helps people with low credit score to rise it

I applied for this card when I had below an average credit score , they did not have a problem to approve my application , good customer service . And thanks for monthly reports my credit score is going up Reviewed on: 21st February 2023

Excellent service

After switching to Zopa I have enjoyed having my credit card with them. The clarity of the app is excellent and I know exactly where I stand. Reviewed on: 21st February 2023

Easy to use

Helps build credit and flexible withbpayment dates. Reviewed on: 21st February 2023

Great Features

Pending interest charges let’s you avoid going over limits, buffer option is fantastic Reviewed on: 21st February 2023

Excellent

Easy to apply for and easy to maintain the account Reviewed on: 21st February 2023

Genuine service

Not pushy helpful credit card company, informs you of your credit weaknesses and what you can do to improve/increase limit. Would recommend for anyone who knows little about bank jargon etc 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
from HSBC 3.45 from 129 reviews
Credit card
from Zempler Bank 4.83 from 5821 reviews
Credit Card
from Bank of China (UK) 4.12 from 2 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 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