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)

Assistance without profiteering

Gave me a credit card and loan at competitive rates and without charges for early repayment. Unlike my high st bank!! Reviewed on: 14th January 2023

Very simple to use

Very easy to use app, navigation simple and helps me to keep on top of payments and statements Reviewed on: 14th January 2023

Superb

No fuss and easy, Great app and traceability Reviewed on: 14th January 2023

Transparent and low interest rates

Having good experience with them ,been 10 months and no unexpected cost they treat fairly their customers Reviewed on: 14th January 2023

Best credit card company ever

I have been using the ZOPA for 5 years and have been so happy with the staff and services that they supplied Reviewed on: 14th January 2023

No problems

Easy application and good communication. Easy to use app very clear Reviewed on: 14th January 2023

Very good service

When u need extra support always zopa credit. When theirs no support from anyone. Reviewed on: 14th January 2023

Life Saver

Unexpectedly, my fury baby fell ill a few months ago - given the tough circumstances we’re all facing at the moment and the high cost of living - I had already used my savings for groceries with not a penny spare but thanks so Zopa, I was able to cover the Ver bill costs to help my furbaby. Not sure what I would’ve done with the funds on my Zopa Credit Card. Thank you Zopa!! Reviewed on: 14th January 2023

It's very practical

Zopa lays it all out ...easy! It makes it easy to follow one's own credit spending. Reviewed on: 14th January 2023

Excellent card

I have had the card for quite a while and looking forward to a credit increase 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

Select Credit Card
from Nationwide 3.87 from 14 reviews
Nectar Credit Card
from American Express 3.16 from 14 reviews
American Express Credit Card
from American Express 3.62 from 121 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