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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

Great card

Was really easy to apply, the card has been amazing & no issues what so ever! Reviewed on: 21st February 2023

Great credit card

Happy with my experience of Zopa, no waiting for payments to clear it updates straight away, app is very easy to use Reviewed on: 21st February 2023

Service

Great customer service called up with a question and staff were so friendly and professional problem was quickly sorted out and resolved Reviewed on: 21st February 2023

Top Quality

Very Reliable Credit Card for General Usage Reviewed on: 21st February 2023

No issues.

Quick and easy application process. Reviewed on: 21st February 2023

Good to use abroad

The charges for foreign currency transactions are low, and they pop up immediately in the app on my phone, so I can keep track of what I have spent - and how much credit is remaining. The monthly payment is taken off my debit card, which means it sometimes goes out on a Saturday or Sunday ( in contrast, bank direct debits falling on a weekend or bank holiday seem to get delayed until the next working day ). Reviewed on: 21st February 2023

Excellent offering

Ticks every box with ease to use and manage Reviewed on: 21st February 2023

App is amazing

Love Zopa so easy and customer friendly. App is wonderful and the best to use Reviewed on: 21st February 2023

Reliable company

Helped with my finances by offering good deals Reviewed on: 21st February 2023

Fantastic

Fantastic rates and easy to use app to monitor spending Reviewed on: 21st February 2023

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