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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

No confusing small print

Zopa does exactly what it’s supposed to . It’s easier to make payments and save. The payment cushion is absolutely genius as it makes me in control.All interest charges are made clear before the date due so no unwelcome surprises. The additional saving options are great too. Everything is easily accessible via the app. As an autistic adult I would recommend this to other as its easy to use . Reviewed on: 20th February 2023

Credit card review

I've found zopa to be great, their App is really easy to use and they don't just increase your limit willy nilly. Reviewed on: 20th February 2023

Ease of Use

Easy to apply and easy to manage via the app! Reviewed on: 20th February 2023

easy to use

haven't had any bad experience so far Reviewed on: 20th February 2023

Best service

Very good service and excellent customer service Reviewed on: 20th February 2023

Very good credit card for travelling

Absolutely love my ZOPA card! I travel abroad a lot for work and holiday so it's handy when paying for goods and services (without the worry of being stopped like my current account + no fees and charges!). Reviewed on: 20th February 2023

Transparent lending

Their app is very easy to use for multiple financial options (loans, savings etc) and they regularly review your borrowing ability too Reviewed on: 20th February 2023

5*

I’ve been with Zopa for about 2 yrs & never had any issues, customer service is 5*, friendly & understanding unlike a lot of other creditors. Highly recommend. Reviewed on: 20th February 2023

Zopa have helped me a lot with my credit card , just hope get a credit increase

Great credit card company well worth the try Reviewed on: 20th February 2023

Professional

It’s been a total professional experience so easy to use via the amazing Zopa app Reviewed on: 20th February 2023

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