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)

Very satisfied

Most simple process to apply and get a credit card. Starts with a low limit but improves soon after. Very satisfied with the easy process and the overall experience. Reviewed on: 29th March 2022

Best bank

Never had any troubles with zopa. They are the best credit card bank ever. Everyone should be with zopa Reviewed on: 29th March 2022

Effortless

The application was very easy, the customer services are always helpful and easy to contact, the rates are competitive and the mobile app runs smoothly with some very good additional features compares to any other I have used. Reviewed on: 29th March 2022

Keep it up

Moneys is always there when you what it Reviewed on: 29th March 2022

Simple and Easy

First time applying for a credit card, I chose Zopa because of how simple and easy it was use from the navigation of their app to the service they provide. Reviewed on: 29th March 2022

Amen

Stress free company have no complaints about then Reviewed on: 29th March 2022

Easy to use

Easiest starter credit card for anyone looking to build a credit score, good allowance and very good app. Reviewed on: 29th March 2022

Superb

Very functional app, the process of applying is fairly simple and quick. Reviewed on: 29th March 2022

Reliable

Zopa is the most reliable, honest and so secure to use, also very simple.. easy to get access to almost everything in there apps also very simple to get thru by via email or phone.. i get updates regularly and also updates on what i am entitled to every quarterly.. I would like to send my thanks to Zopa and to all staff members, doing a great job, very Satisfied with the services I always got. Keep up the grest job Zopa :) Reviewed on: 29th March 2022

Amazing

Would definitely recommend Zopa absolutely brilliant 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

Flex Purchase credit card
from Monzo 4.90 from 3189 reviews
Credit Cards
from Smile Bank 3.84 from 4 reviews
Credit card
from The Co-operative Bank 3.48 from 37 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