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)

Effortless

Everything is easy and manageable with zopa, no fuss, no hassle Reviewed on: 29th March 2022

Brilliant communication

Been brilliant since I opened the account and easy to reach out to. Reviewed on: 29th March 2022

Great customer service highly recommend

They are always happy to help and deal with any problems and very quick to help and advise Reviewed on: 29th March 2022

Great

Accepted my application fast, ways to improve and build your credit score. I especially like the cushion credit it helps with budgeting. Reviewed on: 29th March 2022

Excellent

I would recommend this company to anyone as they are excellent. It was straight forward in applying and receiving this card. The app is easy to use. Reviewed on: 29th March 2022

Does what it say's it does.

Credit card is exactly as expected, rather helpful for improving credit. Reviewed on: 29th March 2022

Best credit card I have ever owned

From application to use, ZOPA have been an amazing company with supportive staff on hand to answer any queries no matter how small. The App is great and easy to use,making keeping on top of my funds simple Reviewed on: 29th March 2022

Very good company

I was very pleased with the app and very pleased with the service they offer. Reviewed on: 29th March 2022

Easy to use

Zopa are quick and easy to use, no problems so far what so ever. Reviewed on: 29th March 2022

Simple loans made easy

Last year I bought a car from a dealer and Zopa made this very easy to deal with. They paid the dealer and I drove away the next day. I've also taken out a loan with better interest to pay an outstanding card Reviewed on: 29th March 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

Classic Credit Card
from Bank of Ireland 4.06 from 6 reviews
Credit card
from HSBC 3.45 from 129 reviews
Aqua credit cards
from NewDay 4.69 from 3314 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