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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

Good service and low ARP. They have best service Reviewed on: 22nd February 2023

Brilliant lender

Very fair and responsible, competitive and easy to contact. Would highly recommend Zopa to anyone who needs credit. Reviewed on: 22nd February 2023

Credit card

Great card and the app let's you keep track of your spending and paying you bill Reviewed on: 22nd February 2023

Simple and upfront!

Very easy to deal with. No fuss no hassle Reviewed on: 22nd February 2023

Easy as pie

Impressed, easy app, easy set up and no issues, more than happy to have it and only once had it locked by my own error, the mobile app sorted it within 10 minuts Reviewed on: 22nd February 2023

Easy to use

My zopa credit card is so easy to use, good interest rates, excepted in most shops abroad zopa check every 6 months to see how your spending and if your entitled zopa will offer a credit increase. Reviewed on: 22nd February 2023

Amazing

Amazing credit card,good money for spending Reviewed on: 22nd February 2023

Great company, great deals

Zopa is easy to apply for &set up a direct debit. I'd recommend thus company highly Reviewed on: 22nd February 2023

Happy

I’m very happy with my Zopa credit card Reviewed on: 22nd February 2023

Amazing easy app

Low interest and really good service and are very efficient and quick with any type of service Reviewed on: 22nd February 2023

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