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Zopa: Credit card reviews

View other Zopa products
4.87
Based on 44,353 reviews, last reviewed 20th Aug 2026
100% decrease in 5 star reviews
in the past 90 days
75% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
HAIZHONG N's avatar
HAIZHONG N

Latest lowest rating:

1

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 2026
Sherlin's avatar
Sherlin
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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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Zopa Credit card reviews (44353)

Credit cards

5
Statements are easy to understand and interest is affordable Reviewed on: 21st February 2023
patriciamillican@hotmail.co.uk's avatar
[email protected]

Zopa credit card actually has decent interest rates

5
I was surprised with the rate I got, even when my balance was maxed out my payment was not that high Reviewed on: 21st February 2023
Max's avatar
Max

Perfect

5
Easy to use and simple. Couldn’t ask for more Reviewed on: 21st February 2023
Leah Cook's avatar
Leah Cook

Excellent credit card to help build credit.

5
Easy to apply for starts with a lower credit limit then most would like however once they see a track record of you paying on time you will be offered credit increases and upon completing payment as required on time this will intern improve your credit record… try and pay in full every month to speed the process up. This will also send your credit rating higher. Reviewed on: 21st February 2023
Tee Rex's avatar
Tee Rex

APR going up and up and up

1
No other credit cards I have put the APR up as much as these guys.. all cause of inflation etc.. which is actually going down.. yet these rates keep going up. Charges are dumber than most other cards. Originally was a big fan of Zopa.. but like many, the longer you're a customer the worst it gets. Will be looking elsewhere in future. Reviewed on: 21st February 2023
Daniel Hobbs's avatar
Daniel Hobbs

Great card options

5
Setting up was easy to do and very straightforward Reviewed on: 21st February 2023
davidscott271@outlook.com's avatar
[email protected]

Perfect

5
Been with them for past 5 months, everything perfect. Reviewed on: 21st February 2023
Bronislava Uhliarova 's avatar
Bronislava Uhliarova

Great

5
Great service. I Recommend it!!!!! Reviewed on: 21st February 2023
Tiffany Gibson's avatar
Tiffany Gibson

Easy to understand and customer service always ready to help

5
Never had a better experience with a credit card provider. Reviewed on: 21st February 2023
Zosia Kaczmarek's avatar
Zosia Kaczmarek

Easy to use

5
Easy application process, easy to use app. Reviewed on: 21st February 2023
Anonymous's avatar
Anonymous

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