Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

View other Zopa products

4.87

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)

Very friendly staff

From start to getting card the staff was very welcoming and helpful Reviewed on: 14th January 2023

More than I expected

From first to last, its been very easy to manage my account. The App helps me build my credit score with advice. Overall highly recommended Reviewed on: 14th January 2023

Credit card

Process was very simple and easy. Very quick response for acceptance.. App very easy to use and so handy! Reviewed on: 14th January 2023

Fair lending

The app is very clear and has everything you need. They use very clear application form. Reviewed on: 14th January 2023

poor serviice

As a company they do not seem to be able to set up direct debits, trid on three occassions, only for Zopa to miss my payement deadline, then charged me£12 for their mistakes, they still have not returned my money, in other ways they seem a good company, pity about direct debits Reviewed on: 14th January 2023

Great service

They’ve helped me increase my credit score and granted me a credit card. Awesome customer service and support anything you need. Thank you all Reviewed on: 14th January 2023

Credit with a conscience

An excellent credit provider. No ridiculous credit increases and responsible lending. Won’t let you borrow more than you can afford. Easy to use app and simple credit terms. A brilliant way to build credit. Reviewed on: 14th January 2023

Brilliant, straight forward and amazing communication

I took out a Zopa credit card to help boost my credit score. The application process was incredibly straight forward. My card arrived quickly and the app is brilliant. Communication with Zopa is second to none and I have been incredibly happy with my choice to apply for their card. One very satisfied customer Reviewed on: 14th January 2023

Best company

Zoopla credit card is a amazing company. Has really helped me to build my credit up, great app, very informative, up to date, explains everything in detail. Also get a remind message to make payments on time. Excellent customer service. Reviewed on: 14th January 2023

Amazing

Very easy to use and very professionally Reviewed on: 14th 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

Platinum Purchase Card
from TSB 3.52 from 8 reviews
Black Diamond Visa
from Vanquis 4.22 from 10 reviews
Credit card (discontinued)
from Wave (inactive) 3.85 from 3 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 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