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)

The future of credit cards.

Payments show up within minutes, easy to use app, get pin from app, no foreign fees. I love this card! Reviewed on: 18th March 2021

Reliability

Website good, service excellent Reviewed on: 18th March 2021

Brilliant service

Very easy to apply, friendly efficient staff Reviewed on: 18th March 2021

Making credit easy

A great app and easy to use. Flexible credit at your fingertips. Reviewed on: 18th March 2021

Excellent service

Quick easy application. Easy application to use. Clear information. Straight forward to download app. Reviewed on: 18th March 2021

Easy to apply and good customer service

When applying It was easy. I have bad credit and Zopa accepted me. I use the app to check my balance and make payments which is easy and to keep on top of spending. Reviewed on: 18th March 2021

Good service

Money goes fast when you pay payments to the account Reviewed on: 18th March 2021

Great credit card, lots of help and easy to use

Easiest app to navigate, always on hand and always tells you when something has changed. I have no complaints :) Reviewed on: 18th March 2021

Very helpful

Very helpful in easy to understand easy app to use Reviewed on: 18th March 2021

Zopa WOW

Fabulous card , great help when i needed it, App easy to use well worth it . Reviewed on: 18th March 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

Credit builder credit card
from Vanquis 4.73 from 28696 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Everyday credit cards
from Lloyds Bank 4.02 from 68 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