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)

Highly recommended

Very professional service, quickly approved, hassle free, everything you need to do. You can do it from the ZOPA APP..highly recommended Reviewed on: 21st February 2023

Building up your credit score

I have found that since having my credit card, making monthly payments has helped with building my credit score back up. Reviewed on: 21st February 2023

Good

Very goooooooooooooooooooooooooooooooood Reviewed on: 21st February 2023

Trusted Brand

It’s been Easy, fast, convenient and reliable service. Reviewed on: 21st February 2023

VERY EASY TO DEAL WITH :):):)

VERY EASY PROCESS AND KEEP YOU FULLY UPDATED! Reviewed on: 21st February 2023

Fabulous Company

Very helpful and straightforward app. Always keeping me up to date with my repayments and other news. Would definitely recommend. Reviewed on: 21st February 2023

making money managable

I can look at the app anytime to see where i am with my credit card. Can pay money in at any time. Advisors always have your best interest. You are in control without getting yourself into any more debt. Definitely recommend Zopa. Reviewed on: 21st February 2023

Zopa credit card

I am very happy with my account and ease of access and service and recommend it to everyone Reviewed on: 21st February 2023

Love it!

Love the layout of Zopa- love how there’s different products you can look at and how quick the balance is to go up or down (Just like your normal bank) and the borrowing power( like clearscore shows what you can improve on or what’s going well) Reviewed on: 21st February 2023

Excellent customer service

Very good company to have credit with. Very affordable re-payments 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 Zable 4.82 from 123709 reviews
Platinum credit cards
from Barclaycard 4.03 from 336 reviews
Zero Credit Card
from Santander 4.23 from 22 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