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 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 (44354)

Perfection

Perfect card that fits me perfectly Reviewed on: 21st February 2023

Best card out there

I find zopa really helpful. If I have a problem they are very helpful and are always giving me new ideas on how I could use zopa better. The app is very easy to use as well and has all the help I need on there. If there is something I can't find I can ring up and they answer very fast and help me out. Reviewed on: 21st February 2023

Top Marks

I use zopa for my credit card and 2 personal loans. The app is really easy to use with great tips on how to improve your eligibility and credit score. I have and would again recommend to my friends and family. Reviewed on: 21st February 2023

Perfect! Perfect! Perfect!

Customer service has been fantastic. My card arrived quickly. It’s easy to use both online and Instore. Highly recommend to everyone. Reviewed on: 21st February 2023

Simply the best

East applications, quick service and keep you informed or reminded. Tips are great too! Reviewed on: 21st February 2023

Easy to go through application process

Very easy to apply for and get set up. Easy to use app and easy to make payments. Overall a good credit card provider Reviewed on: 21st February 2023

Ease of use

Very happy with the provider. Everything is straight forward. Reviewed on: 21st February 2023

Good app sevice,great sevice

Highly recommended, with great friendly service Reviewed on: 21st February 2023

Awesome experience

I have been really impressed with Zopa both their ease of using the website and app and the speed in which transactions are actioned. Also their interest free balance transfer scheme Reviewed on: 21st February 2023

Great service

Always available to help. Great 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

Classic Credit Card
from Bank of Ireland 4.06 from 6 reviews
Purchase Credit Card
from Bank of Scotland 4.20 from 10 reviews
Credit Builder
from Chime 0.00 from 0 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