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Zopa Bank credit cards

Thinking of taking out a Zopa Bank credit card? Read our guide on which kinds of credit cards they offer.

Thinking of taking out a Zopa Bank credit card? Read our guide on which kinds of credit cards they offer.

Who is Zopa Bank?

Launched in 2020, Zopa Bank offers a wide range of products to its customers, including personal loans, car finance, credit cards and savings accounts.

It also provides money management and financial health tools that help customers understand and control their financial positions.
Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Which is the best Zopa Bank credit card for me?

Zopa Bank currently has one award-winning credit card, offering borrowers an initial credit limit of £200 to £1,200 and a representative APR of 34.9% variable, as of April 2024. However, the APR you’re offered will depend on your personal circumstances. 

The card has a few key features, including:

Simple online credit management

Zopa Bank’s app lets you manage your card from your fingertips, from downloading statements to receiving real-time balance notifications. 

Credit Cushion

With Zopa Bank’s credit card, you can set up a Credit Cushion that allows you to set aside some of your credit balance for unexpected expenses – a little like a savings pot.

To-do list

Zopa Bank’s app features a ‘to-do list’ tool, which prompts you to do your important credit card admin tasks.

Why choose Zopa Bank?

Zopa Bank’s credit card offers:

No fees on purchases abroad

You can use your Zopa Bank credit card to purchase abroad anywhere that accepts Visa, and there’s no extra fee for doing so. You’ll need to select the local currency when you buy though. If that’s not an option, the foreign conversion rate at the time you make your purchase will apply.

No annual fees

Zopa Bank doesn’t charge an annual fee for its credit card. And if you pay your balance in full each month, you won’t pay interest on your purchases.

Award-winning customer service

Zopa Bank’s customer service was commended in the Moneyfacts Consumer Awards for 2024.


To qualify for a Zopa Bank credit card you must be:

  • Over 18 years old
  • A UK resident with at least one year of address history
  • Earning an income of at least £10,000 per year (before tax)
  • Able to provide a credit history and good track record of repaying debt, e.g. utility bills, credit cards
  • Able to show two active lines of credit, for example a phone contract, an overdraft on a UK current account registered to the address given on your application.

Are there any charges?

Charges for using Zopa Bank’s credit card include:

  • £3 cash transaction fee (any currency)
  • £12 late payment fee.

Why compare credit cards with Compare the Market?

It only takes a few minutes to see if you’re eligible for credit cards from a range of lenders.

Compare credit cards from 19 providers[1]

See which credit cards you’re likely to be eligible in 4 minutes[1]

Check your eligibility without impacting your credit score

[1] Correct as of June 2024.

Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

How well is Zopa reviewed on Trustpilot?

In March 2024, Zopa was rated 4.5 on Trustpilot which corresponds with the star label ‘Excellent’.

See Zopa’s current Trustpilot rating

Frequently asked questions

How long does it take to get a Zopa Bank credit card?

Once accepted for a Zopa Bank credit card, you’ll receive it within 10 working days.

Can I get a Zopa Bank credit card with bad credit?

It’s unlikely you’ll qualify for a Zopa credit card with bad credit, but there may be other cards that you’re eligible for.

Compare credit cards for bad credit.

How to contact Zopa Bank

You can call Zopa on 020 3770 5960 Monday to Friday, 8am-8pm. Or you can speak to an agent via the online chat service.

How do I apply for a Zopa Bank credit card?

You can apply for Zopa Bank’s credit card on its website. You can also use our handy eligibility checker to see if you could qualify for a Zopa card, as well as other credit cards. It only takes a few minutes, and won’t impact your credit score.