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 money management

Zopa is a good company offering a range of different services. Good payment options and great customer service. The app is easy to use and a good tool for managing your finances online Reviewed on: 25th January 2022

Fantastic

So helpful and stress free the staff are very helpful Reviewed on: 25th January 2022

Good company fair rates good app

Good app easy to use, frequent updates could be more streamlined so that every update available doesn’t hit your phone Reviewed on: 25th January 2022

Understanding

Never give you any hassle very understanding with what ever misfortunes you come across. Reviewed on: 25th January 2022

Easy enough

Easy to understand and there are offers for broadband and energy services Reviewed on: 25th January 2022

Good app, seems quite harsh on limit reviews

I have had a Zopa card for just over a year, it was the first CC I had out of an IVA, I find the app, card and service really good, but my very modest limit of 300 quid remains, I have since had two other cards, that have had credit limits greatly raised and my credit score on all 3 agencies is almost perfect. Despite a perfect payment history, my worthiness has not increased and neither has my limit, so I don't use the card very often, I only use it now if I'm wearing a mask, can't use apply pay and need a contactless payment, at drive-throughs, I'm not in desperate need for credit, just needed to improve my rating, and as it's best to just use 25% of the limit, hopefully one day they will up it, in the mean time it's no quite redundant. Good for a first time card, I can imagine, it would be better if the limit was higher. Reviewed on: 25th January 2022

Brilliant zopa

Brilliant customer focused business. Clear and efficient with customers at the forefront. Zopa keep you informed of everything and there app is easy and clear to use Reviewed on: 25th January 2022

APP

Very easy app to use and customer service is also good Reviewed on: 25th January 2022

First class all the way

Zopa is first class from start to finish, straight forward, no hassle an overall great service Reviewed on: 25th January 2022

Re-built my trust with credit

Zopa have been simply fantastic on helping build my trust and confidence back with Credit. Their simple to use app with supporting offers make them the perfect choice that also take your everyday commitments into consideration. 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

Credit card (discontinued)
from Tandem 4.65 from 358 reviews
Credit builder card
from thimbl. 4.41 from 18 reviews
Credit card
from Jaja Finance 4.72 from 2531 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