Young man, feeling good and smiling enthusiastically, next to the Zopa app and credit card

A Credit Card that puts you in control

  • Apply online and manage everything in our simple app
  • Get instant payment notifications and real-time balance updates
  • Safe and secure – instantly freeze your card in the app
TrustPilot LogoAn illustration of the Trust Pilot LogoTrustPilot Five star ratingAn illustration of five stars14,000+ Reviews

Rates from 9.9%, Representative example: 34.9% representative APR variable based on an assumed credit limit of £1200. 34.9% p.a. variable purchase rate.

To learn more about our card compared to other providers see our Summary Box. Credit is subject to status, affordability and applicable terms and conditions.

Apply online
Zopa "Z"

Manage your card effortlessly

Our simple app makes managing your money easy. See your PIN, download statements, see your spends and much more, all on the go.

Spending at your fingertips

Stay in control with instant payment notifications and real-time balance updates.

Safe and secure

Instantly freeze your card in the app if you notice anything unusual, and report your card as stolen immediately.

More features on the way

We’ve added some new features, like spend tracking so you can see where your money’s going and a to-do list to get the most out of your card. And there are more on the way, so watch this space!

Why choose a Zopa Credit Card?

View your PIN

They’re easy to forget, so we’ve made it simple to view it in the app.

Shop with confidence

Combat fraud by instantly freezing your card if you spot an unusual transaction.

Easy payments

Set up automatic monthly payments easily in the app.

Helpful humans on hand

Our award-winning customer service team is on hand if you need them.

No fees abroad

You might not be going far just now, but next time you do, we won’t charge you any fees.

What our customers think

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Quick and easy to apply
Dannielle Garbutt
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1 yr fixed rate savings account
Tracey Davies
TrustPilot Five star ratingAn illustration of five stars
Really easy to manage my loan
Alex Blackmore
TrustPilot Five star ratingAn illustration of five stars
cheap loan ,easy to access via my…
Nick Blakey
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Based on 14748 reviews

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British Bank Awards

Best Personal Loan Provider

For the fourth year in a row, Zopa has been named the British Bank Awards’ Best Personal Loan Provider. We were also highly commended in the Best Alternative Finance Product category. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers and their genuine opinions. We’re hugely proud of winning this award again, so thank you to everyone that voted for us!

See our awards

A Credit Card that puts you in control

  • Apply online and manage everything in our simple app
  • Get instant payment notifications and real-time balance updates
  • Safe and secure – instantly freeze your card in the app

Rates from 9.9%, Representative example: 34.9% representative APR variable based on an assumed credit limit of £1200. 34.9% p.a. variable purchase rate.

To learn more about our card compared to other providers see our Summary Box. Credit is subject to status, affordability and applicable terms and conditions.

Apply online