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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

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4.86

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.

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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)

Great card !!!

This card is the best in overall , helped me with my credit rating !!! Always giving easy and quick answers to every question !!! I would definitely give this service provider 100% for everything they do for their customers, thank you Zopa !!! Reviewed on: 21st February 2023

Friendly, open and helpful

My experience with Zopa has been much better than expected so far. They are friendly and helpful while being open about what I can do to improve my credit. Reviewed on: 21st February 2023

Great Credit Card

Recommend the Zopa Credit Card . It’s great Reviewed on: 21st February 2023

Great support / great app

Keeps you informed about finance, what's avaliable, how to improve finances, extra . App is great. Reviewed on: 21st February 2023

Excellent product

The best credit card around and Zopa have excellent customer service can’t fault their staff they go above and beyond Reviewed on: 21st February 2023

Zopa credit card for improving credit score

I got a zopa credit card to help improve my credit score after my divorce . Ex left me a lot of debt. The app is so easy to use. And my credit score is improving all the time. Reviewed on: 21st February 2023

Easy application low interest rate.

I have been very happy thus far with my Zopa credit card. I like the ease of having the app and being able to access my account 24/7. I also like the use of the buffer therefore not overspending. I have a good interest rate and I was pleased with the easy application process. Reviewed on: 21st February 2023

Just incredible.

Just an incredible company, incredible service and they didn’t even pay me to say this! Good companies are hard to find nowadays. Will defo recommend. Reviewed on: 21st February 2023

Excellent

Fabulous provider...Happy customer Reviewed on: 21st February 2023

Update in seconds

I love that the account automatically update in seconds after you make a payment. No hassle and you have access to that balance right away. No waiting 2 - 3 business days to update. It’s easy to check balance, monthly statement and if you need to update address it’s very easy to do via the app. Reviewed on: 21st February 2023

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