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)

Responsible lender

Applying on line was straightforward. Responsive to questions and queries. Reviewed on: 13th January 2023

No Hassle

Been with Zopa for nearly a year I personally have had no trouble with the company it’s be a good experience with them, always happy to help always at the end of the phone or email. Rates are perfect for people like myself, take no time in applying I’d definitely recommend Zopa to family and friends. It’s definitely a company that’s is straight down the middle with no hassle just how I like it. Reviewed on: 13th January 2023

Friendly easy service

Good credit card company to use. Friendly customer service. Reviewed on: 13th January 2023

The best

Simple the best credit card company ever Reviewed on: 13th January 2023

Excellent

Excellent services best option Reviewed on: 13th January 2023

Easy to use

Honestly haven’t come across an easier app and company to use for a credit card. Makes my life easier! Reviewed on: 13th January 2023

Great service

Great service always there to help overall great company Reviewed on: 13th January 2023

Excellent service. Very fast providing needed credit. Interest rate not as expensive as most. Very clear with conditions. I am very happy with their service.

I always had access to all the information I required. Reviewed on: 13th January 2023

Helpful

What I like about zopa is that it's doesn't juat up my credit when it wants. It's takes into consideration of my funding and what I cant afford that allows me not to over spend. Reviewed on: 13th January 2023

Superb credit card

This is the one company I can heartily recommend. Their support to card holders is brilliant and their admin second to none. 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

Bip Credit Card
from NewDay 4.80 from 2286 reviews
Cashback credit card
from Lloyds Bank 4.24 from 26 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 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