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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.

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)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

Easy to use

The app is great and well protected and gives lots of information and balances and how Much is limit Reviewed on: 22nd February 2023

Best travel card

Best card to take abroad with 0% fee Reviewed on: 22nd February 2023

The best credit card

It’s quick and easy to use and the best credit card till now =))) Reviewed on: 22nd February 2023

Pretty happy

Mainly positive and would recommend, only negative is APR higher that other lenders Reviewed on: 22nd February 2023

Great company

Zopa are one of the best company’s I have ever dealt with, they gave me a credit card when I needed one and it was hassle free. Reviewed on: 22nd February 2023

Great overall service

I have been with them since last few years , always found them great customer service Reviewed on: 22nd February 2023

Excellent service and easy to apply

Quick easy, application process and the online help is fantastic Reviewed on: 22nd February 2023

My favourite card

Zopa credit card is way in front of the others easy to use and when you transfer funds to the card the funds are available straight away and not in 2 days. ZOPA keep up the good work Bruce Henderson Reviewed on: 22nd February 2023

Great for building your credit score

Absolutely brilliant it's helped me build my credit score and they are so helpful if you want to talk about anything else Reviewed on: 22nd February 2023

Back on track with Zopa

Fantastic opportunity and resource to build your credit score Reviewed on: 22nd February 2023

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