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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

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4.86

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

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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.

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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)

Easy to use - simple to understand

Great customer service. Quick turnaround and cannot fault the service I have received from Zopa Reviewed on: 6th April 2023

they are reliable and very prompt

I for one am satisfied with the services Reviewed on: 6th April 2023

Great deal and easy to deal with

Zopa are able to offer a range of solutions for all people. Their facilities to search for and apply for options are easy to navigate and to get a great deal whatever your circumstances. Once a product is in place they support you with regular friendly updates and tips to improve the options for future needs. Excellent and thank you. Reviewed on: 6th April 2023

Brilliant card

Really good card, easy to use app which keeps you updated on spending and a credit cushion which helps to keep you on track Reviewed on: 6th April 2023

Pretty good experience

Firstly the positives - the app is brilliant. Payments go on immediately so no waiting for days for the balance to be available. Security measures are good. The only negative (and why it got 4 stars) is it isn't contactless so I tend to only use it for online purchases. Who can remember PINs these days? Reviewed on: 6th April 2023

Supportive Credit Card

Everything is put in context with Zopa. They are aware of the difficult times. Reviewed on: 6th April 2023

Treat people like humans

I have been dealing with Zopa now for a number of years, and always felt comfortable when speaking with someone from the company. They treat you with respect and are polite and always helpful they are professional at all times, and would have no hesitation in recommending them to friends and family Reviewed on: 6th April 2023

Straight forward and hassle free

I have been dealing with zopa for awhile now, 1st I got a credit card and then further down the line I took out a loan as well but each step in the process has been simplistic in every way, everything is explained clearly throughout the application stage. And once accepted the mobile app is very easy to used and keep an eye on your finances with all the accounts in the same place. Dealing with Zopa has been a pleasure and I will keep dealing with them into the future Reviewed on: 6th April 2023

Good company

No problem with application n app is very good n easy to use Reviewed on: 6th April 2023

1,000

My experience with Zopa is very positive. The system works well iand clear n terms of notifications in regards to award of amount borrowed, and payments. I like also that they let you know every month within two or three days previously that the monthly payment is going to be taken from your account. I recommend Zopa Reviewed on: 6th April 2023

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