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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)

Good value product

Easy access and user friendly. Polite and ready answers from the team Reviewed on: 30th January 2023

Excellent credit card

I'm happy with the zopa credit card, good service. Reviewed on: 30th January 2023

Brilliant service and friendly staff

They go out of the way to help and give you the best advice for you Reviewed on: 30th January 2023

Helping hand

Helps a lot at this hardest time. Reviewed on: 29th January 2023

Great Service

Every problem is solved efficiently Reviewed on: 29th January 2023

Very happy with the service

I really enjoy using my card thanks to Zopa Reviewed on: 28th January 2023

Best credit card provider

I have been a customer for nearly 3 months and I spend almost all of my credit every month and return the full amount on time. I can say that it is the best credit card provider with the lowest interest rate. Reviewed on: 28th January 2023

Great credit card

Brilliant credit card, easy to pay on app.. pretty low interest too Reviewed on: 28th January 2023

Best credit card 2022/23

I had bad credit before applying for a Zopa credit card. I'd been applying for different credit cards with the hope of building up my credit and was unfortunate with every application. Luckily for Zopa accepted my application and offered me their credit card with a reasonable crefit balance. Their credit card is very useful especially inbthis difficult economic times. The amount offered is just within my means therefore affordable. I'm able to pay the balance in full each month without incurring extra charges. I wis Hope that Zopa is recognised and awarded for their ability to assist people in similar situations. Reviewed on: 27th January 2023

So far so good

Everything has gone well up to now Zopa keep you updated and informed in a professional manner Reviewed on: 27th January 2023

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