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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)

Absolutely fantastic service

Never had an issue , been right on ! Reviewed on: 22nd January 2023

Excellent

Excellent and easy to use! I highly recommend. Reviewed on: 22nd January 2023

Trusted

I've had a terrible life of been in debt not paying b8lls struggling. Always worked never taken drugs and hardly drink. So poor wages and living beyond my means is why!! I've now sorted my self out not in debt Reviewed on: 22nd January 2023

The application process was good and easy

Quick decision, easy to use and help full good customer care service. Reviewed on: 22nd January 2023

Credit Card universally for all

Respected credit provider who knows its customers and is a responsible lender. Reviewed on: 22nd January 2023

Interest rate high

The interest rate is high if you done pay off your balance Reviewed on: 22nd January 2023

Great especially if you have poor credit score

Quick and easy application process. I was given a small limit that is helping me manage my credit score etc and I have no problems with the provider :) Reviewed on: 22nd January 2023

A really good company

I have 2 loans and a credit card from this company. The banking app is great and easy to use . I'm really happy with zopa and the service they have provided. I have and would still 100% recommend them to anyone. Thanks for being you. Reviewed on: 22nd January 2023

Straightforward credit card

Good credit card. Pay off the balance and pay zero interest. Simples Reviewed on: 22nd January 2023

Nice card and never had a problem would recommend to anyone

Had this card for over a year and enjoyed using it. Reviewed on: 22nd January 2023

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