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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.

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:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Easy application

Very straightforward, card arrived quickly, app easy to use. Reviewed on: 21st February 2023

Clean, modern and easy.

Really modern solution, great app and lots of services. Reviewed on: 21st February 2023

Professional

Very professional and great service in the app Reviewed on: 21st February 2023

Amazing

No hassle at all. Straight forward Reviewed on: 21st February 2023

Easy as 1,2,3

I have had a great experience so far with Zopa. The app is easy to understand, I know what I have spent and where. The notifications I get when I have spent on the card are reassuring, especially as my debit card details had been compromised recently through a well known food delivery app. The card was cancelled with a new one taking 5 working days. My credit card came to the rescue and allowed me to get groceries and other essential items. The app is easy to navigate and I like the feature that allows me to see my pin number for a limited time before disappearing. Zopa let's me know in good time when the interest rate changes so I can make informed decisions about my spending. Reviewed on: 21st February 2023

Helpfulness

Zopa in my eyes are a fantastic company to be with especially there customer service team, very helpful Reviewed on: 21st February 2023

Excellent Service

Whenever I’ve needed help they have been excellent at helping Reviewed on: 21st February 2023

Great card for low credit rating

Great company will give you a high credit limit even if you have a low credit rating ,easy to use ,many thanks Reviewed on: 21st February 2023

Sensible credit card.

Easy to use app. You can set a credit cushion so you don’t get tempted to impulse buy. The credit cushion is available at your convenience. All sections of the app are easy to use and understand. Lots of advice available on how to improve your money management and enhance your credit score. Very happy with the 18 months I have had my card and the advice I have been given. Would strongly recommend a Zopa credit card. The interest rate is very reasonable as well. Reviewed on: 21st February 2023

Brilliant card

Great card an easy to use app, keeps you informed all the time and helps to improve credit rating Reviewed on: 21st February 2023

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