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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)

Very easy to use

Easy to use, friendly team and great at communicating changes to your services Reviewed on: 21st February 2023

Best Credit Card App

Extremely easy to use with a excellent app service I have had no issues at all Reviewed on: 21st February 2023

Great service

Always a great service from zopa Reviewed on: 21st February 2023

GOOD SERVICE

KEY INFORMATION ACCESS VIA APP AND EASY ACCESS Reviewed on: 21st February 2023

Simply easy to use app makes financing easier

Smyth and easily navigated around the app Reviewed on: 21st February 2023

Simple and effective

When I applied for my credit card, I was approved very quickly without any complications and was sent my card and details without delay. Since then, it has been very simple to manage my account, with regular communication from Zopa, monthly statements and the ease of arranging the minimum payment to roll month to month. Zopa also give tips on how to improve your financial picture, for example, your borrowing power, and then provide recommendations for credit. Reviewed on: 21st February 2023

Brilliant

Brilliant easy to deal with .no problems what so ever Reviewed on: 21st February 2023

Simple and easy to use and very friendly

I signed up for a Zopa credit card in 2022, and I've never had a more pleasant experience with a lender before. From the application process to the iPhone app, the experience has been seamless and easy to navigate. Highly recommended! Reviewed on: 21st February 2023

Excellent product easy to use!

I would highly rate zopa! Their products are brilliant and the app is a lot better and easier to use than most! Reviewed on: 21st February 2023

Excellent provider

I use the credit card regularly. Very happy and high recommendation Reviewed on: 21st February 2023

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