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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)

So easy to manage

Really easy to manage your money. App is so straight forward. There's also a spending buffer you can set to avoid going over your limit that you can set yourself. Would highly recommend. Reviewed on: 9th March 2023

happy customer

I am a happy customer, because I can access my credit card online. I froze my credit card, and was able to activate my card as quickly as possible, and when I requested for a new card, as it was lost, the card replacement was also very quick. Reviewed on: 8th March 2023

Fantastic service

I used this as a credit card for emergencies and was impressed by service when I called Reviewed on: 8th March 2023

Excellent service

Brilliant service, would highly recommend Reviewed on: 8th March 2023

The best help full card

I am so happy for using the credit card Reviewed on: 8th March 2023

Excellent Service

Zopa is a fantastic credit card, caring to it's customers and fabulous rates Reviewed on: 8th March 2023

Best card I have used!

Zopa card has been the most efficient, easy to use & easy to repay card I’ve had! Customer service is amazing and they really care! Reviewed on: 6th March 2023

Zopa is the next best up and coming credit card on the market

Zopa is the next best up and coming credit card on the market Reviewed on: 6th March 2023

Zopa Credit Card Review

Zopa has been an absolute blessing to have as a credit card. It allows me all sorts of options and to change my pay date whenever i want to. It allows me to buy things i wouldn’t be able to without it and builds my credit score each day. Zopa sends me regular emails and notifications to remind me of other benefits I can have. Reviewed on: 6th March 2023

Great card

Applied on line and got a decision within minutes, great card for credit building, the app is excellent to use and simple to understand, definitely a 10 out of 10 Reviewed on: 5th March 2023

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