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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)

Amazing customer service

The app lets you know when days before you when you need to make a payment. The customer service is great Reviewed on: 21st February 2023

Best credit company I have used

Always helpful and understanding of difficult times. Best company I have ever been with. Reviewed on: 21st February 2023

Easy to use and intuitive app

Easy to use and intuitive app, clearly laid out so are able to see what spend is apportioned to what category. Reviewed on: 21st February 2023

Fair interest

I have used a few different card providers but I believe Zopa to be the best. Fair interest rates, good chat function, and friendly staff. Reviewed on: 21st February 2023

Great Credit Card

Easy to use with the App. Prompts for repayment helps to make payment on time Reviewed on: 21st February 2023

No direct debit

Great for everything but not being able to set up a direct debit and having to come out of your debit card instead has meant I have not had cash in the right place at right time incurring fines Reviewed on: 21st February 2023

Amazingly affordable repayments

The repayments are low really not that much. And it doesn’t charge much for taking out cash. It doesn’t charge that much if you miss repayments and it gives you extra time to pay if you can’t afford. I am very lucky to have the opportunity to be able to borrow from this company. I would recommend this company to absolutely anyone. You have no worry about not being able to afford it, the support from the company is really nice and it’s really reassuring. You will not worry much about anything while using this company because it’s just that good. I have will continue to use this company for as long as I can because I love it that much Reviewed on: 21st February 2023

Brilliant credit card

It’s a brilliant product that I would recommend to everyone Reviewed on: 21st February 2023

Excellent in every way

Excellent in every way would recommend to everyone Reviewed on: 21st February 2023

Great customer service

Great customer service and easy to use Reviewed on: 21st February 2023

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