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)

Excellent Service

This card has helped friends and I boost our credit score. Starting out as a young adult can be hard to boost your credit score, but Zopa has provided my friends and I with the chance unlike other providers. After opening our account with Zopa, in just a few short months our credit scores have boosted dramatically and it is continuing to grow! Thank you Zopa for giving young adults the chance to prove themselves! Reviewed on: 29th March 2022

Absolutely Great!

It was quick and easy to apply for my Zopa credit card, I didn’t have a great credit score and I wasn’t sure I’d get the chance to build up my score until Zopa accepted my application, it’s given me hope . Reviewed on: 29th March 2022

Reward by simplicity - the easy to use Zopa app

As a relatively new customer I was impressed by the fast and friendly service credit services offered by Zopa. With it's easy to use app keeping track of outgoings and a very fair payments plan is a doddle. Zopa stands out among other credit agencies for its relaxed and amicable approach to money lending. So handy for those unforseen little financial emergencies that crop up from time to time. Reviewed on: 29th March 2022

I think zopa is overall a good credit card company. I'm really happy with there service.

I would recommend my friends and family for a zopa account as they are good. Reviewed on: 29th March 2022

Sensible, simple, smart

Very straightforward to use and the card/app was very accommodating and easy to set up. Very nice aesthetic too!! Reviewed on: 29th March 2022

Amazing credit card company

I really enjoy being with Zopa, I feel they are very friendly and helpful team. That also have you at interest the most over making money. I feel valued as a customer. Reviewed on: 29th March 2022

Best card

Was easy to join my friend recommended it to me and I am delighted with this service Reviewed on: 29th March 2022

Excellent

I will recommend to anyone as is great and friendly service Reviewed on: 29th March 2022

Best card ever

I love the fact that even though I had bad credit, I was able to apply for a credit card with Zopa & get it. It comes in really handy in such difficult times. Reviewed on: 29th March 2022

So quick and easy

Online questionnaire quick reply card arrived in less than a week love it 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

Credit card
from Nationwide 4.12 from 225 reviews
Credit card
from 118 118 Money 4.72 from 5644 reviews
Credit card
from Chase Bank 4.81 from 383 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