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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)

Customer satisfaction

Honestly have to say getting credit card with Zopa wS so easy and quick excellent customer services and very quick process would highly recommend this company Reviewed on: 21st February 2023

Flexible way to pay

It is Apple Pay comparable Easy to use customer app Reminders for payment due Easy to make additional or one off payments online Reasonable interest rates Credit allowance regulated Reviewed on: 21st February 2023

Fantastic service

Zopa has always been very easy to use, and with no hidden costs or surprising costs Reviewed on: 21st February 2023

Brilliant

Easy and straight forward. Happy with the service Reviewed on: 21st February 2023

Excellent service

I have 3 credit cards and zopa is the best by far, the app is so straightforward to use and I love the credit cushion so I can put some aside for emergencies and not go over my limit!no other credit card I have has that option. Reviewed on: 21st February 2023

Best credit card

From the start of being accepted for a Zopa credit card, this has been quick & a easy process, Zopa’s app is straight forward to use. Reviewed on: 21st February 2023

Just Great.

I have found ZOPA to be an easy and accessible app for all. It is very informative, easy to work around on the app and the staff are so helpful and lovely. I like how it tells you if your credit rating has gone up and what you can do to improve this. I just find it amazing and I would never go with another credit card company again. I have referred to many Reviewed on: 21st February 2023

Amazing opportunity

Am so grateful for this chance to improve my credit which I suffered with so so long and in a very simple way. Reviewed on: 21st February 2023

Fantastic service and easy to use

Zopa have been easy to use, the app is easy to navigate and paying money on is instant and easy to do thoughout the month. statements are accessible anytime. Brilliant company and app. Reviewed on: 21st February 2023

Great reliable customer service

Supported me when I'll great support took my worries away Reviewed on: 21st February 2023

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