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)

top product

Great credit card very easy appt to use Reviewed on: 13th January 2023

Great company

Had no issues with Zopa hot my credit limit which I intend to clear shortly, what I mean to say is you don’t get the hassle as with some other credit card providers. Like charging you all the time I feel very comfortable with this company would recommend. Reviewed on: 13th January 2023

Best company ever

Very easy to apply confortable to pay and easy to understand Reviewed on: 13th January 2023

Credit card

Excellent card provider. Money clears straight away once you pay. Don't have to wait for days like other cards Reviewed on: 13th January 2023

Everything you need!

Easy straightforward application process, great rates, grate app, and everything you need to know explained Reviewed on: 13th January 2023

Very nice very easy

I like this is credit card so good Reviewed on: 13th January 2023

Ease of use

Easy to apply for and the application itself is minimal with no fuss. Great card for those trying to rebuild credit. Reviewed on: 13th January 2023

Very pleased

Wanted to get my credit rating up as it was very poor credit card was recommended by friends applied and was accepted really happy with the card use it sensible pay it off when needed no extra charges Reviewed on: 13th January 2023

Super helpful and a people orientated company

Just a spot on company, very helpful, great customer service, and super simple. Reviewed on: 13th January 2023

Quality service

Very responsive member of staff and quick action to customers service at all times,no delays. Reviewed on: 13th 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

Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Purchase Credit Card
from Halifax 3.50 from 19 reviews
Instant pay
from Incredible 4.61 from 28 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