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)

Low APR Decent Credit limit

App is good too - shame they don’t do current accounts! Reviewed on: 18th August 2022

More than just a credit card

Finding Zopa really helped me to get my finances under control from setting a cushion to help check my finance stability and keep payments under control and manageable. The app is super to use. Really impressive service from Zopa Reviewed on: 5th August 2022

Great

Very good service and great customer service Reviewed on: 22nd July 2022

Very unprofessional service!

Very unprofessional service! The worst company! I only had problems with them! avoid as much as possible! problems, problems and problems again! A very small problem that has not been solved for several months and come with generic messages, avoid! Reviewed on: 25th May 2022

Very helpful

Very good service helpful people and both myself and my wife agree Reviewed on: 29th April 2022

Excellent Service

Great credit card, so easy to set up and they keep you up to date with information. App user friendly. No problems whatsoever. Cracking company to be with Reviewed on: 14th April 2022

How it should be!

Great app/Features/Customer service. I love zopa Reviewed on: 13th April 2022

Fantastic

Fantastic credit card staff helpful when I call them Reviewed on: 9th April 2022

Very good

Very informative with how they do things and let you know how you are spending and helpful Reviewed on: 8th April 2022

Excellent

Great app and great customer service. Reminder txt ans easy ways to pay Reviewed on: 7th April 2022

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 Credit Card
from Lloyds Bank 4.22 from 57 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.40 from 14 reviews
Fluid credit card
from NewDay 3.82 from 105 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.86 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