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)

Credit Card and App

It’s all positive: Zopa credit card and mobile App are excellent, with everything easy to do. Reviewed on: 21st February 2023

Good product, good customer service

Good product, good customer service Reviewed on: 21st February 2023

Outstanding

When I applied for my credit card it was sent out and I received it within 2 days. Never had a problem and app easily managed very happy Reviewed on: 21st February 2023

Very good customer service

Never had any problems with the company at all Reviewed on: 21st February 2023

Excellent

Very easy to use credit card I really like ut Reviewed on: 21st February 2023

Great service

I applied for credit card and excepted after being Iva it was great to see companies helping people like my self Reviewed on: 21st February 2023

Superb Card

The process for applying for my Zopa card was really straightforward and easy even without the best credit file. Also when you make a repayment by card it is in the account in next to no time. I would highly recommend the Zopa card to everyone Reviewed on: 21st February 2023

Its good

I like this ZOPA because nice and very good Reviewed on: 21st February 2023

Worth it

It’s really easy to use the app and when you pay off your account it adds the credit straight away instead of waiting 3-5 working days Reviewed on: 21st February 2023

Great

Very good to work with and have been very happy with the service 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

Zero Credit Card
from Santander 4.23 from 22 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.15 from 14 reviews
Credit card
from PayPal 4.66 from 126 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