Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

View other Zopa products

4.86

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:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Its ok but not fantastic

I try to change payment day about 6 months . And every time when I change nothing happend and every month Zoopa charge me 12 . When I spoke with customer service I don't recive any help . He had wrong attitude, he's answers was like he's not interested my case . Reviewed on: 21st February 2023

Good and easy to manage my account

The interest rate is high. The app is good to manage my account and make payments which makes it easy for me. Reviewed on: 21st February 2023

everything i need

brilliant card to have, helps me save money on broadband / insurance, and others, as well as keeping an eye on my credit score, it just has everything in one account Reviewed on: 21st February 2023

Amzing card

Good card easy to use the app is perfect good company too. Reviewed on: 21st February 2023

Good to use

Easy convieniant quick to load very handy Reviewed on: 21st February 2023

Fantastic Company

This Company I had never heard of, but after receiving the card, I found them to be very professional, friendly and customer service were 2nd to none, I would really recommend them to everybody Reviewed on: 21st February 2023

Great card

Great card and good app. Works well for me Reviewed on: 21st February 2023

Great service

Fantastic to deal with, friendly and helpful Reviewed on: 21st February 2023

Customer service is second to none

The service is fantastic, the care towards their customers is fantastic Reviewed on: 21st February 2023

Helpful and caring

After going through a bankruptcy, Zopa helped me start to build my credit rating back up. They monitor and keep me informed if my balance is looking high. They set a sensible limit and are always there to help if I need advice on my card or balance. I feel much more credit savvy with Zopa in my team. 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 Wave (inactive) 3.85 from 3 reviews
Partnership credit card
from John Lewis 2.13 from 905 reviews
Cashback credit card
from Lloyds Bank 4.24 from 26 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