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)

Standards

Keeps track of my credit score and don’t offer something I can’t afford Reviewed on: 25th January 2022

5 star credit card

Zopa make it easy to utilise your credit keeping you updated about payments and credit limits efficiently Reviewed on: 25th January 2022

Easy to use and understand

Zopa are easy to understand and use. Never thought I'd find something so easy to use. Reviewed on: 25th January 2022

Amazing

Started low and monitored how I coped with paying back before offering more credit, that way I wouldn't over spend, great to help you build your credit. Reviewed on: 25th January 2022

Zopa are just great!!

ZOPA have been absolutely excellent since I took out a credit card with them. Their customer service always resolve any issues or queries and very professional whilst doing so. They offer a range of products and I would definitely recommend them. Well done all at Zopa. Reviewed on: 25th January 2022

Really helpful my time of need.

Its a brilliant bank that helped me in my time of need. Struggling to get credit anywhere when I was in an iva and they helped me out, and have just tripled my balance Reviewed on: 25th January 2022

Simplicity Itself

Easy to manage, easy to use and no paper bills.. easy to make payments.. what more can you ask.. Reviewed on: 25th January 2022

Easy and pleased with service

No negative comments to inform very pleased Reviewed on: 25th January 2022

Zopa, Angel on my shoulder

Zopa is a company I’d very much advise anyone to go with. They are fair and understanding don’t pester. Zopa has been there for me, allowing credit I need, that I can afford to pay, with gentle reminders , no pushy threats if late with my payment. They are there for the struggling hard workers. A financial friend when needed. Reviewed on: 25th January 2022

Excellent but low credit Limit

Excellent card but only gives £200 credit limit which is very low. Only good for day to day shopping. 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

Nectar Credit Card
from American Express 3.35 from 14 reviews
Credit card
from M&S Bank - Marks and Spencer 3.60 from 209 reviews
Overpay
from Incredible 4.16 from 5 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