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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

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4.87

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

Needs a lot of improvement

Poor customer service and low credit limit takes a long time for increases Reviewed on: 21st February 2023

Credit Card application.

So straight forward to order a card and furthermore a very sensible credit limit. The App works great as well being able to keep an easy eye on my balance at all times along with paying the monthly payment. All very easy to use. Reviewed on: 21st February 2023

No hassles just awesome

Best credit card I've had no hassle no demanding payment everything so easy to do and work with Reviewed on: 21st February 2023

Easy to Manage

I've had my Zopa card for over a year now. Very easy to manage within the app and notifications every time you use it so it's easy to know your balance. Payments are quick and the money goes straight back on your card so you don't have to wait a few days like some. Reviewed on: 21st February 2023

Excellent

Never had a problem with them. Very helpful Reviewed on: 21st February 2023

Great credit card provider

Great offers with manageable interest rates. Provide reasonable limits that you can afford. Reviewed on: 21st February 2023

Zopa

Never chase you after payment even if y pay the minimum payment Reviewed on: 21st February 2023

Great service

arrived my card very quickly Good provider Reviewed on: 21st February 2023

Easy to use good limit

Interest is good, App is easy to use Limit is fair and good Reviewed on: 21st February 2023

Really efficient and communication is second to none

I have been really happy with the service I have received from Zopa and would definitely recommend their services Reviewed on: 21st February 2023

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