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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)

Excellent service

Excellent bank and credit card service.. Customer service is top form Reviewed on: 15th January 2023

Enjoyable and reliable

My experience with zopa as been very good Reviewed on: 15th January 2023

Very simple to run

Very happy with the service and very helpful Reviewed on: 15th January 2023

Brilliant company

I haven't got anything bad to say about Zopa they are an excellent company Reviewed on: 15th January 2023

Zopa best ever

What can I say, everything is excellent, the app is amazing so easy to use. I would highly recommend zopa. Reviewed on: 15th January 2023

Easy to manage

A very good card East to use and understand App Always keeps you informed Updates you on all transactions and pending transactions Reviewed on: 15th January 2023

Default Sum charged for less than 24 hour late payment!

After having the flu for 5 days and not being able to get out of bed, I paid my credit card bill 12 hours late and got a £12 late payment fee and a notice of sum of default. I’ve never had that with any other card whom have always given two days grace. Wouldn’t recommend to anyone who has the audacity to become poorly. Reviewed on: 15th January 2023

Happy Customer

They gave me a chance despite not having the best credit score. They offered me a fair amount which I appreciated The app is great and overall, I have no complaints…I am very grateful for your help THANK YOU Reviewed on: 15th January 2023

Quick efficient and affordable

All your fees are displayed from the start so no nasty surprises Reviewed on: 15th January 2023

5

I haven't at any problem with zopa there do keep me updated on everything Reviewed on: 15th January 2023

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