Zopa credit card review
What does the Zopa Credit Card offer?
Zopa offers a competitive travel credit card.
The Zopa Credit Card has no fees for overseas spending but will charge £3 each time you withdraw cash at home or abroad. The card has a representative APR of 34.9%, but you may be offered a rate as low as 27.3% based on your credit score.
How does Zopa compare to other providers?
Zopa received a customer score of 65% in our latest credit card satisfaction survey placing it 25th out of 31 providers.
- Find out more: visit our guide to the best credit card providers to read the full survey results and compare Zopa's score with other companies
Is Zopa a good credit card provider?
Our survey also reveals how Zopa customers rated the provider across these five categories:
| Customer satisfaction category | Zopa Bank star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Zopa to find out more about our research.
Your Zopa credit card questions answered
Grace, our credit card expert, answers the top questions people have about Zopa credit cards.
Does Zopa Bank offer an eligibility check?
Zopa Bank offers an eligibility checker that can tell you how likely you are to be accepted before you apply.
It does a 'soft search' of your credit file and won't impact your credit rating
Where are Zopa credit cards accepted?
The Zopa Bank Credit Card is issued on the Visa network so can be used in millions of places in the UK and abroad.
When did Zopa Bank launch?
Zopa Bank launched in 2020, although Zopa has been around since 2005 and is known for its peer-to-peer lending company.
How we review Zopa
Here's some more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.