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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

Thank you very much

Useful and helpful. Thank you very much for the opportunity to have a credit card Reviewed on: 21st February 2023

Overall a decent experience

Very decent company, and easy to use app which makes making payments and setting up direct debits very easy Reviewed on: 21st February 2023

Reliable and helpful

Really friendly credit card, good for first timers. Reviewed on: 21st February 2023

Very helpful and straight forward

The app is very useful and easy to use it is sample and straight forward it tells you all the information you need and easy to navigate around Reviewed on: 21st February 2023

All good

I’m very happy Reviewed on: 21st February 2023

Affordable and fair

Unlike some other credit cards, Zopa starts you off with a sensible affordable limit with affordable repayments. This allows you to build your credit score over time. Reviewed on: 21st February 2023

Outstanding

Outstanding user friendly very good Reviewed on: 21st February 2023

Best credit card

Excellent service. Good to build credit record. Very good app Reviewed on: 21st February 2023

Great

Great for when needing a bit extra cash Reviewed on: 21st February 2023

Excellent customer service

I was having issues understanding my balance and after seeking help from the live chat, my problem was solved quickly and efficiently. Reviewed on: 21st February 2023

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