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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st May 2026

36% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44340)

Best credit card

Customer service is best by far, they understand if you are struggling and are late paying but they don't hassle you Reviewed on: 21st February 2023

MR ADRIAN PUIU

yes it is a successful and very good bank..I am very satisfied with this Bank ZOPA Reviewed on: 21st February 2023

Excellent

Absolutely love this card, I call it my holiday card! Low interest easy to pay easy to keep track great updates love love love it Reviewed on: 21st February 2023

Great all round credit card

I took out my Zopa credit card with the balance transfer option. The application was simple and straightforward and the balance transfer process was so simple. Reviewed on: 21st February 2023

The best

They keep you informed about other products Reviewed on: 21st February 2023

Not too shabby!

One of the most appealing aspects of the card was the interest-free period of up to 56 days each billing period, which provided me with ample time to pay off any balances I incurred without accruing interest charges. This feature made budgeting much easier and less stressful. The 0% foreign transaction charge made it a great choice for international travel. This saved me money on each transaction, which I found to be incredibly valuable. Overall, I highly recommend this credit card to anyone looking for a great balance of features and benefits. Its minimum credit limit, interest-free period, low foreign transaction charges, and reasonable Representative APR make it an excellent choice for those seeking a reliable and affordable credit card. Reviewed on: 21st February 2023

Great customer service, always advises when your bill is due to be paid and when you spend.

I have a great experience, always there to help. Reviewed on: 21st February 2023

App

The app is so easy to work I would like higher credit limit but it will come in time Reviewed on: 21st February 2023

Reasonable, Reliable and Easy

The interest rate was very reasonable considering my credit score. I’m really glad that Zopa gave me the opportunity to build my credit score again, already it’s jumped up in the few short months since having it. The app to manage my credit card is really easy to use and I’ve never had problems with it. Not to mention the application process was so simple and hassle free. Reviewed on: 21st February 2023

Great company

Amazing experience with this company. App is easy to use and straightforward. The rate could be a bit better thou Reviewed on: 21st February 2023

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