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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)

Easiest app ever

The app for managing credit cards and any loans with zopa is so user friendly, you can do most things without having to pick up a phone. You know exactly where you are up to and can access information easily. When I set up my credit card and loan it was the easiest I have ever done. Interest rates were best offered a s generally a great company to deal with. Reviewed on: 5th April 2023

Transparent and Trustworthy

I have used Zopa for a little while now and have nothing but a positive experience with them. I can see all my details at a glance on the app, pay extra when I need to to bring down the interest (which is a really good rate!) They seem to be pro-active in offering help and advice and do not push any products onto you. All in all, a pleasure to deal with! Reviewed on: 5th April 2023

Easy to apply and manage

I found it very easy to apply and also to manage the account. Reviewed on: 5th April 2023

Easy, convenient and trustworthy

I find Zopa so easy to deal with. Credit card rate is very competitive easy ro use Reviewed on: 5th April 2023

Got a credit card

Nothing wrong with them. Just a credit card Reviewed on: 5th April 2023

Best credit card and for loan. I have both with them.

I will always recommend zopa for anyone who wants credit card and loan. Reviewed on: 5th April 2023

Easy peasy

Such an easy and efficient service to navigate. App helps you to manage and keep track of payments or make extra payments with reminder dates. Overall I’ve found them superb to deal with. Reviewed on: 5th April 2023

Best Personal Loan Provider category

Helped to plan/book my holiday flight tickets. Reviewed on: 5th April 2023

Simple process, good service and exactly what I needed

It was really easy to apply and the process was very fast. The app is brilliant and means you can manage your account really simply. I’ve been really impressed with Zopa and have used them a few times now! Reviewed on: 5th April 2023

Really Informative

So easy to use and being kept updated with payment reminders and new offers. Reviewed on: 5th April 2023

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