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)

Great bank

If your looking for a bank that gives you great service in all areas then look now further. Reviewed on: 16th April 2021

Awesome

Jus so amazing and efficient never a problem to far thankyou zopa Reviewed on: 16th April 2021

Excellent manageable credit

Zoopa has clear communication with customers that updates your activity well so you can feel safe and be fully aware of your credit use and requested payments Reviewed on: 16th April 2021

Brilliant even with a poor credit score still can offer you credit card

I was on iva. and needed card to help start bring my credit score up. they mobile app amazing also can track every penny leaving the account. if you pay in thats also shows in a minute. Reviewed on: 16th April 2021

Great Card

From applying for a card to receiving it win the post. The whole process was easy, efficient and very fast. A lot of financial institutions could learn from this. Reviewed on: 16th April 2021

Easy to use.

Very easy to use and I like the way the app is laid out. Could do with a bit more credit, if I was being fussy. Reviewed on: 16th April 2021

Excellent service

Always available and helpful. Excellent quality service Reviewed on: 16th April 2021

Efficient and sensible

Zopa are giving me a chance to improve my credit rating. They take a sensible, balanced view on circumstances and are so incredibly efficient. Brilliant. Reviewed on: 16th April 2021

Amazing easy to use. Friendly customer service. Superb

Easy to manage cards. Easy and clearly app. Low cost. Thanks Reviewed on: 16th April 2021

Spot on all round

The application process is fault free and simple and also fast, no issues at all very good indeed Reviewed on: 16th April 2021

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

Gold Card
from first direct 4.22 from 9 reviews
Platinum Purchase Card
from TSB 3.52 from 8 reviews
Credit card
from M&S Bank - Marks and Spencer 3.60 from 209 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