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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)

Great service at all times

This company is very good they are very helpful they are only a phone call away if you have any problems with payments I highly recommend them too any one who needs a loan ect Reviewed on: 6th April 2023

Easy application

Applied and accepted after short verification process . Reviewed on: 5th April 2023

Excellent

I have a credit card and loan with zopa and app access is amazing let’s me know what I owe, always send a reminder when payment is coming out and literally have no fault with this company at all!! I’ve never had to call up or email about anything! The most simple company I have come across!!! Keep it up zopa! Reviewed on: 5th April 2023

Great service

Always keep me up to date on my account. App is very easy and helpful. Reviewed on: 5th April 2023

Credit Card

I find Zopa as a very reliable organization as it endeavours helping needy people with their excellent rates. Reviewed on: 5th April 2023

Flexible and customer focused

These guys are great, very flexible with repayments and the app is very good with the customer in mind. 10/10 would recommend Reviewed on: 5th April 2023

Straightforward simple process

Really easy to use and understand, good app to manage finances. Would only use Zopa now Reviewed on: 5th April 2023

Fab & Flexible!

Zopa has helped me get my credit rating up and back on track but offering accessibility to figures, easy payment, flexibility and advice on ways to improve score with tips. Been a great experience. Reviewed on: 5th April 2023

Honest, accurate, reliable

He cares about his customers, helps, and offers good loan terms. Reviewed on: 5th April 2023

Zopa Credit Card

Application and approval processes were stress free and swift. Reviewed on: 5th April 2023

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