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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 Provider

Great customer service and a fantastic app. Reviewed on: 21st February 2023

Awesome

Great all round experience would highly recommend Reviewed on: 21st February 2023

Easy basic credit card

Easy to use everyday services provided by them Reviewed on: 21st February 2023

Good wee credit card

Easy to deal with never had any problem with them. Reviewed on: 21st February 2023

Best low interest credit card

Best credit card with no hidden charges Reviewed on: 21st February 2023

THE BEST

Honestly can’t sing their praises high enough!! Such good customer service and really fair rates. Reviewed on: 21st February 2023

Easy to use

Zopa is an easy to use credit card and have fount the App easily accessible where I can manage my account effectively including viewing my pin changing my spending an limits would recommend Zopa to family and friends. Reviewed on: 21st February 2023

Easy app, sensible spending limits.

After struggling with bad credit for years I was accepted for this card which I had never heard of before. The sign up was very straight forward and the delivery of the card was only a couple of days. The app is very easy to navigate and it is very clear to see what payment needs to be made and by when. The spending limits are sensible but fair. Reviewed on: 21st February 2023

Fantastic

I have found this credit card very handy to have Zopa is a great card to have they expalin everything very clearly they give you a reciept everytime you make a payment which i love have to say its the best card i have ever had would recommed them to everyone Reviewed on: 21st February 2023

Easy, stress free

It was a really easy and stress free process signing up for this product. Reviewed on: 21st February 2023

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