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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

Credit Card

Easy to use, hassle free and fully transparent. Can use the card on anything and the app is simple to use. Reviewed on: 21st February 2023

Easy card to use and the app makes it very easy to make payments

I’ve had no issue with the company Reviewed on: 21st February 2023

Simple spending.....

I have had a Zopa credit card for a while now and with the help of their app, it could not be more simple!! It's a fantastic app and easy to see what you are spending. Also the opportunity to save, which is even better. Reviewed on: 21st February 2023

Zopa

Very good understanding company Reviewed on: 21st February 2023

Outstanding

Outstanding customer services nothing is ever to much. Reviewed on: 21st February 2023

Great experience

Really good experience with Zopa. Easy to use card and app, they are responsible lenders with good interest rates. Reviewed on: 21st February 2023

Quality service

Helps build your credit rating and has a fantastic customer service. Reviewed on: 21st February 2023

Easy to use and vey convenient

Easy to use, excepted in most stores, great for daily shopping or when you're a bit short. And the beauty of being able to pay it off earlier is a bonus. Reviewed on: 21st February 2023

East nice company

No problems, easy to use and interest rates low. App where you can pay and track your spending easily Reviewed on: 21st February 2023

A properly modern credit card

Zopa is miles and a way the best credit card I’ve had. Excellent app, great customer service, fair interest even for poor credit, far better than a lot of its competitors. And above all, and the reason for my title - is that the instant you pay, your payment is reflected in your account. So many big name cards still take 2 full working days to reflect card payments, which can cause so much bother. None of that with Zopa - quick (instant), easy and secure payments, a simple easy to use app, a credit score tool included so you can track your progress - I have and would absolutely recommend this card to friends and family over and above any other credit card. Reviewed on: 21st February 2023

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