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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 management

Easy to follow your spending and payments using the app getting alerts when reaching your limit and set a spending buffer so you never spend more than your credit limit. Top product highly recommended Reviewed on: 26th February 2023

Excellent easy service

Quick response time. Easy payments Professional, friendly, knowledgeable customer service. Reviewed on: 26th February 2023

Would definitely recommend

Had credit card for a while now and are very pleased in the way you can spend without any problems.. Reviewed on: 26th February 2023

Saviour

Pretty good service, much needed help at the time. No issues so far Nice customer interface and updates. Reviewed on: 26th February 2023

Only gives 3 months interest free on balance transfers

I needed to do a balance transfer as I was paying a lot of interest on my credit cards at the time and my credit rating wasn't great so I couldn't open another card with a mainstream bank. The only option my credit score gave was Zopa. They gave 3 months! Most companies give at least a year Reviewed on: 26th February 2023

Highly recommended

Account is easy to set up & use & great customer service is always available should the need arise. Keep up the great work Reviewed on: 26th February 2023

Brilliant

Easy access to pay for goods reminders of when payment is due early so you know when it's due so it gives me time to make the payment on time Reviewed on: 26th February 2023

Very happy

Easy to apply and app is easy to use. Having two credit limits really helped me when I was struggling Reviewed on: 26th February 2023

Easy to manage

A good quality app and card, easy to use and a cautious lender that lets you abate your finances Reviewed on: 26th February 2023

Credit card

Was very easy to apply and quick to get the card and pin Reviewed on: 26th February 2023

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