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)

Helping me

They have trusted me even though my credit rating was non existence and have helped me to get back on tract Reviewed on: 17th January 2023

Relatively generous with credit limit

Offers generous credit limit following consistent payment of minimum monthly charge Reviewed on: 17th January 2023

Fantastic service,

Fast, reliable and highly recommended, Reviewed on: 17th January 2023

Excellent service

I have been a customer for a while and have found the service to be excellent. Reviewed on: 17th January 2023

Its ok

Not much credit in the account to use part of that they doing very good! Reviewed on: 17th January 2023

Brilliant service, never any issues using the service

Contact less, works great, credit limit could be higher, but overall great card Reviewed on: 17th January 2023

Excellent card, app & transparent terms

My credit rating is not great, but I still needed a decent credit card. My main bank account is with a new bank and an excellent app and I was looking for a credit card with an app just as good and excellent terms for travelling abroad. Zopa is superb. Total transparency and extremely reasonable. What a pleasant surprise! I highly recommend Zopa. Reviewed on: 17th January 2023

Credit card

Very impressed with this credit card Reviewed on: 17th January 2023

A great credit card for busy people

Zopa is easy to use and interest is lower than most similar cards. Reviewed on: 17th January 2023

Easy to use and very easy to contact, had no issues with the company

Since i have taken this card out with Zopa, i get regular updates via email, had no issues like long waiting time to get through to them via phone. Always have been helpful and friendly and also seem to care about their customers Reviewed on: 17th January 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

Everyday Credit Card
from Santander 3.72 from 27 reviews
Credit Builder
from Chime 0.00 from 0 reviews
Everyday credit cards
from Lloyds Bank 4.09 from 68 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