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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)

Amazing

Proper helps amazing service had bad credit and this has helped alot Reviewed on: 21st February 2023

Great communication and service

Very straight forward application process and the best banking app I've ever used. Reviewed on: 21st February 2023

Easy to apply for

Easy to apply for, eady set up, easy all round use and regular credit increases. Reviewed on: 21st February 2023

Brilliant !!

This is a brilliant company and the app is so simple to use. Would highly recommend Reviewed on: 21st February 2023

Fantastic

Zopa has provided me with flexible straight forward finance with clear no jargon terms Reviewed on: 21st February 2023

Wonderful experience

My first credit card is with Zopa, they have the best friendly team. Customer service is amazing Reviewed on: 21st February 2023

I never thought I'd say this.. I love my credit card!

I recently opened an account with Zopa as I love my Monzo account and heard they run a similar model/business. It was super easy to set up an account and go through all of the steps then I received my card within days. I love using the app and having the notifications pop up each time I spend on my card so I can keep track of my spending. I also reached out to customer service to ask a question and the service was second to none, I had a response within minutes and they resolved my query. I always get asked what is Zopa and always recommend it to anyone who asks as I love everything about Zopa!! I wish I'd found them sooner!! Reviewed on: 21st February 2023

Excellent customer service

Very easy to contact and always give clear advice/instruction Reviewed on: 21st February 2023

Amazing service from Xopa

Zopa made the application process very simple and continue to provide updates on the app, they also review your account and offer credit increase if wished to accept. App is very easy to use and would definitely recommend. Reviewed on: 21st February 2023

Zopa make everything easy

The app is easy to use, you can find everything you need to know on there, from your APR rate to your transaction list and so on. Zopa have given you options to help manage payments and advice on loans. Things that are really useful! Plus it looks great too! Their online chat is easy to use and I have always found the customer service agents super helpful. Reviewed on: 21st February 2023

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