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

Fantastic

Great customer service, easy to use app. It was a simple process from the get go. Love the regular information about my account, straight forward and easy to understand. All round extremely happy with the service. Reviewed on: 21st February 2023

Perfect company to meet modern needs

Have to say refreshing to deal with a company that is forward thinking, progressing and modern but still has the old fashion values that we all love and trust Reviewed on: 21st February 2023

Thank you

Thank you for supporting me when I was at my lowest easy to use and app is easy to manoeuvre Reviewed on: 21st February 2023

Effective and easy

Great app and easy to use would recommend to friends and family Reviewed on: 21st February 2023

Great

Great card no problems at all very very good Reviewed on: 21st February 2023

Best card for poor credit

I've now had this card for over 2 years and it has help me keep on top of my spending, a nice and simple app which allows you to access your spending Reviewed on: 21st February 2023

the best credit card

good service and reliable people Reviewed on: 21st February 2023

Sensible

Zopa offered a sensible credit limit for my circumstances. Reviewed on: 21st February 2023

I simply cannot fault them.

Zopa provided me with a credit card which has helped me improve my credit rating. The whole application process was easy to complete and my card was received shortly after. Their app is very good and easy to navigate. It allows quick and easy payment and also provides feedback on why they can't increase my limited, along with offering tips on what steps I can take to improve this...which is really helpful. 10/10 for me in terms of overall experience! Reviewed on: 21st February 2023

Excellent company

Excellent communication and a fantastic app so easy to use, and you can pay onto your account whenever. 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

Charge Card
from American Express 4.20 from 24 reviews
Clarity credit card
from Halifax 3.64 from 273 reviews
Purchase Credit Card
from Bank of Scotland 4.20 from 10 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