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)

Fantastic credit rebuild

Fantastic credit rebuild. Friendly customer service. Easy to speak to Reviewed on: 25th January 2022

I love Zopa

Quick and easy to use the app is great. Reviewed on: 25th January 2022

5* credit

I can’t fault Zopa, you don’t have to wait days when you make a payment, to see it on your balance. I have another credit card & zoos are far superior to any other cresit facility I’ve ever had 5* Reviewed on: 25th January 2022

Brill and simple to use

Fast reliable and friendly service. No hidden fees Reviewed on: 25th January 2022

Wonderful

Very good attitude towards customers and an understandable application with which you can monitor your finances Reviewed on: 25th January 2022

excellent company.they truly are.

very honest.easy to approach.and always have time for there customers. Reviewed on: 25th January 2022

Zopa is the one for me

Easy to use, the app is straighforward nothing hidden and the notifications everyrime you spend makes tracking ur balance so easy. Prefer this card to the other credit cards ive had in the past. Reviewed on: 25th January 2022

Great company...

Easy to use Web app and helpful friendly site. Important texts updates Great Reviewed on: 25th January 2022

Helpful and friendly

Helpful and friendly staff, easily to use app, very likely to recommend to others Reviewed on: 25th January 2022

Very easy to rate

I did have a problem with a payment due to having previous card stolen and then had to get help sorting it out and the member of staff helped me so much was very polite and really went through things with me and nothing was ever a trouble would genuinely recommend Zola to anyone Reviewed on: 25th January 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

Freedom Rewards (discontinued)
from Barclaycard 3.21 from 64 reviews
Everyday credit card (discontinued)
from Creation 4.00 from 22 reviews
Premier Credit Card
from HSBC 3.99 from 20 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69088 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