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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)

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

Good service provider enjoyed being with zopa

Good service provider and enjoyed a lot being with zopa Reviewed on: 21st February 2023

First class product

Very helpful and easy to use and easy to access on my phone Reviewed on: 21st February 2023

One of the best

I have no issues with them, using their service is easy and i am very happy Reviewed on: 21st February 2023

I wish I knew about Zopa before

Zopa’s credit card is so easy and flexible. I love the fact the mat you can make a payment towards your credit card and the funds are instantly available at your disposal Reviewed on: 21st February 2023

Very simple and straight forward, easy to use

Very simple and straight forward, easy to use , east to manage and stay in control over things , friendly costumer service and helpful Reviewed on: 21st February 2023

Great modern card

This card and company are very modern and very transparent . The App is very informative and easy to use. Reviewed on: 21st February 2023

Simple and useful

Being able to pay your balance easily and shows immediately. Also able to add to my wallet on the phone is a plus. I cannot add my normal bank card for that. Excellent and recommended. Reviewed on: 21st February 2023

Easy to apply for

Easy to apply for and consider all credit ratings Reviewed on: 21st February 2023

Easy Understandable Banking

Since having my zopa credit card it is easy and understandable. The app is brilliant, its clear and easy to use. I know all my interest rates and when rates are ending. I can easily see my balance transfer balance and my purchases balance. Would highly recommend to friends and family. I prefer this is my other banking apps. Reviewed on: 21st February 2023

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