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)

Credit where Credit is Due

Excellent service and upgrade in credit limit is closely monitored Reviewed on: 13th January 2023

Simple, clear and accessible

Great experience, easy to use app, Zopa are transparent about their products and straightforward to deal with. Reviewed on: 13th January 2023

Credit card

Good company , recomand with trust! Reviewed on: 13th January 2023

Fab card

Great card and app esay to use and always keeps you informed about balance Reviewed on: 13th January 2023

Poor credit increases

I've been with this company for over a year and not once had a credit increase on my credit card and yet other cards I have with other companies have been increased alot Reviewed on: 13th January 2023

Outstanding

I was previously struggling to get fair APR on my loan credit applications Zopa treated me fairly and boosted my credit applications Brilliant company Reviewed on: 13th January 2023

Excellent

Easy to use and great company ! App is great and instant notifications which is ideal Reviewed on: 13th January 2023

Very manageable

Realistic credit limit, easy to make payments, payment reminders and has an app! Everything you could want from a credit card Reviewed on: 13th January 2023

EXCELLENT PRODUCT, EXCELLENT SERVICE

Fantastic support all round , very easy to understand Reviewed on: 13th January 2023

One of the best banks out there!

A fantastic company to bank with and intuitive interface for customer service and provision 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

Credit Card
from Allied Irish Bank - AIB 4.11 from 6 reviews
Credit card
from Zempler Bank 4.83 from 5821 reviews
Clear Rate Platinum credit card (discontinued)
from NatWest 3.91 from 21 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