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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)

Excellent company

Excellent communication and a fantastic app so easy to use, and you can pay onto your account whenever. Reviewed on: 21st February 2023

ZOPA A Great Credit Card Provider

Efficient, fast and customer friendly service as well as a very easy online application to have a credit card with ZOPA, made it a very good experience for me and many others I am sure. Reviewed on: 21st February 2023

Hassle free easy repayments

Simple application process. App is great for tracking your spends and repayments well done ZOPA Reviewed on: 21st February 2023

Thank you

I was able to get a balance transfer card with Zopa when no other company would. It also came with a 9 month interest free period. Reviewed on: 21st February 2023

Very satisfied

Glad I got into you guys, very happy Reviewed on: 21st February 2023

Ease of use

The application and overall process was easy, the app is easy to use. Have no complaints at all. Reviewed on: 21st February 2023

A reliable bank with easy app access

I joined Zopa by picking up a credit card from them that is used between family members and Zopa were great at helping to get app access setup across multiple people; the app is easy to use, they're easy to reach, and managing balance and limits is simple. Reviewed on: 21st February 2023

Great Service

Good Quality Bank with Excellent customer service Reviewed on: 21st February 2023

Everything you need from a card provider

Application process was straightforward. In the year+ I have had the card there have been no problems. I get instant notification of transactions which gives peace of mind knowing if it was used without permission I would know within seconds, something that is important nowadays. Plenty of advise also available on the app if looking for loans, savings etc. I would highly recommend ZOPA to family & friends Reviewed on: 21st February 2023

Easy to work with and very helpful staff . App is also very handy and quick to navigate

I love my Zopa card and find it great to use everywhere Reviewed on: 21st February 2023

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