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)

Fair trade

Fair leader who does over stretch people with poor credit Reviewed on: 21st February 2023

Zopa Card Review

I wasn't getting any credit card options a few years ago before Zopa. It has helped me triple my credit score in a relatively short amount of time. Very very few problems Reviewed on: 21st February 2023

Fabulous

The app is so user friendly and has many resources to help you budget or save your money,,, love it Reviewed on: 21st February 2023

Amazing provider with app

App works perfectly and everything else is great Reviewed on: 21st February 2023

Excellent

Zopa are a great company. Good rates, great customer service and support. Reviewed on: 21st February 2023

Ok

Everything works fine thanks Aleksandar Reviewed on: 21st February 2023

Good rates and upfront

With Zopa what you see is what you get upfront with the APRS and realistic with how much you can borrow and gives you a little coach to help you with your borrowing power Reviewed on: 21st February 2023

Good service

Good fast service from application to receiving the card! Reviewed on: 21st February 2023

Easy to use

Best thing that once you pay any amount you get instant credit. Reviewed on: 21st February 2023

Super Duper

Love my credit card so very much 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

Platinum Cashback Credit Card
from American Express 4.35 from 71 reviews
Credit builder credit card
from Vanquis 4.73 from 28695 reviews
Credit card
from M&S Bank - Marks and Spencer 3.62 from 208 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