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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)

Spending power at its best

Got a Zopa card,comes with the app do you can see what your spending how much interest you’ll pay and your payment dates absolutely love it Reviewed on: 21st February 2023

Easy to pay

Very easy to navigate website for making extra payments. Reviewed on: 21st February 2023

Brilliant

Easy to use and set up really happy Reviewed on: 21st February 2023

Fuss free

I have a credit card with Zopa and I also transferred a balance from another card. The process to transfer my balance was straightforward and I was offered a 0% balance transfer and interest for 6 months which really helped me to clear my existing debt. Zopa is now my go to card Reviewed on: 21st February 2023

Great!

I haven’t spoken with their customer service but I love the flexibility of the app and how easy it is to use! Reviewed on: 21st February 2023

Amazing

Zopa make life easy and finances manageable Reviewed on: 21st February 2023

5 stars

I applied for a credit card with Zopa and got accepted instantly even though my credit score isn’t great I still got a decent credit limit to start I was verry impressed Reviewed on: 21st February 2023

Good

Is very good credit card I want more money if you can give me more Reviewed on: 21st February 2023

Great service

Great service when no one else listenes Reviewed on: 21st February 2023

Credit card zopa very good

The credit card from Zopa is very good for people who are not yet accepted at the main banks (branches). It helps you a lot even if they offer you a limit of £200 or £600 when you apply for the card. Reviewed on: 21st February 2023

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