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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

Easy to apply, excellent customer service

App is super friendly too. Intuitive. I just thought that the credit limit could be higher, that's all. I'm an excellent paymaster. Reviewed on: 21st February 2023

Effective communication

Effective communication to customers Reviewed on: 21st February 2023

Easy to use

Great card that has an app which is really easy to use to keep track of your spending Reviewed on: 21st February 2023

Amazing products and service

Such a great product and service. Easy to apply and back fast with results. Card came through the post within days and app is amazing. Easy to control and budget with and set payments or change any details. Highly recommend Reviewed on: 21st February 2023

Simple

Easy to apply for. Simple well laid out app. Easy to understand Ts&Cs. Reviewed on: 21st February 2023

Amazing

I was extremely struggling, I needed money to be able to feed my family, Zopa helped me when I needed it most, so for me they are the best Reviewed on: 21st February 2023

Easy and convenient

Simple, easy and convenient digital process Reviewed on: 21st February 2023

Hassle Free

There is no hard-sell involved with Zopa, using the app allows customers to keep on top of their spending, available balance and any offers that may be available. Unlike other credit card providers, once payment is made, a receipt is forwarded and the balance reflects the payment made immediately - other cards I have used in the past advise a period of two working days before payment is reflected. Timely notification for new statement available and payment due date, but, as a customer, I do not feel pressured or 'badgered' in any way Reviewed on: 21st February 2023

Best credit card provider 2023

I took out a credit card with Zopa last year and now my credit score has improved massively. They are a responsible lender who help improve your credit score by reporting your usage to the credit agencies. Highly recommended Reviewed on: 21st February 2023

Everything simple

Good credit card also use anywhere and easy increase the credit limit and everyone easily apply Reviewed on: 21st February 2023

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