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)

Zopa works for me

There is a lot of credit card lenders, but I find zopa credit card great and it suits my needs there is great features that help with credit building ,its easy to keep track of your spending and overall a great experience they seem to be adding new features all the time and even moving with the times. Reviewed on: 16th February 2021

Despatching and asking ID

Very poor service. First despatch card then after week just sent one email that need ID Reviewed on: 16th February 2021

Excellent

Just excellent service clear what u can and can't do. Reviewed on: 16th February 2021

Early days but haven't had any issues

Easy to use app and an easy manage able limit Reviewed on: 16th February 2021

Quick and easy

Quick and easy to apply and use all updates on the app Reviewed on: 16th February 2021

Easy and quick

Just a nice bank. No hassle and easy support Reviewed on: 16th February 2021

Amazing

Simple and easy to use. When you pay money of the balance it goes on straight away no need to wait a few days like most cards brilliant card would definitely recommend to familyand friends. Thanks zopa Reviewed on: 16th February 2021

Great!!

Easy to apply, very efficient app and incredibly easy to use. Reviewed on: 16th February 2021

Great company

Very helpful at all times. customer service are on the ball at all times The App keeps you updated Reviewed on: 16th February 2021

Great card and bank

Easy to apply, quick decision, and the card arrived fast perfect highly recommended Reviewed on: 16th February 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

Avios credit card
from TSB 3.41 from 20 reviews
Credit card
from The Co-operative Bank 3.48 from 37 reviews
Flex Purchase credit card
from Monzo 4.90 from 3189 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