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

The zopa credit card and app are excellent to use and understand. Everything is simple and very well thought out. All in all a card I would recommend to anyone Reviewed on: 7th April 2021

Great credit build

Great to build credit also reasonable interest. Brilliant communication. Reviewed on: 7th April 2021

Amazing company

Every time I have rang they have always answered quickly and have resolved my problems and queries quickly. Reviewed on: 7th April 2021

Brilliant

So I’ve had my zopa card for a while I always like to make Partial payments and have never found a ccc I can use so easily through the app. It updates straight away and always sends me a reminder when payment is due so I’m up to date Reviewed on: 7th April 2021

Bank on it

I have found this app and whole banking system so easy to use. I can see immediately how much I've spent and what needs paying. Great service, highly recommended. Reviewed on: 7th April 2021

simple to use

App makes everything easy to use & stay in control of your money. Reviewed on: 7th April 2021

This is a company that puts my interests before there own profits

I have only been using ZOPA for a 6months or so But there are no automatic credit increases you get a report every month assessment telling you keep doing what your doing And not trying to increase your limit I’m starting to get a good credit score Reviewed on: 7th April 2021

Great credit card

Easy to use app and over all experience is brilliant Reviewed on: 7th April 2021

Easy, modern

All information is clear to see and is quickly updated. Very easy app and reliable. Reviewed on: 7th April 2021

Amazing for helping rebuild credit

Zoopa has given me an opportunity to improve my credit and brighten my future. Easy to use with the app. Best customer service. Would recommend over and over again Reviewed on: 7th 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

Classic Extra Card (discontinued)
from Capital One 4.08 from 6 reviews
Charge Card
from American Express 4.20 from 24 reviews
Select Credit Card
from Nationwide 3.87 from 14 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.87 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