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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

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4.87

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

Contemporary, puts you in control

I like the app as it puts you in control of your finance, the interest rates are also competitive. Great customer service overall. Reviewed on: 15th January 2023

Applying is simple

Straight forward application simple to follow and an answer in minutes , everything you need is on the app on once accepted Reviewed on: 15th January 2023

Good

Verry easy and practically, easy to use. Reviewed on: 15th January 2023

STOYCHEVA

Brilliant service from ZOPA’s staff and really easy to use the app Definitely recommend to anyone. Reviewed on: 15th January 2023

Amazing customer service

Zopa are an amazing company, they always respond very quickly to any queries . The app is very easy to use and everything is explained in a way that is user friendly. Reviewed on: 15th January 2023

very helpful

good service and actioned quickly Reviewed on: 15th January 2023

Great service

My experience using Zopa have been fantastic. Their process was very simple and the app easy to use. I highly recommend Zopa credit card. Reviewed on: 15th January 2023

Easy, Efficient and Transparent

The whole process was very transparent and I could see in plain English what to expect. Once I understood the product and the terms, and how likely I would be accepted, then the process was easy and efficient Reviewed on: 15th January 2023

Great experience

Approved very quickly and easy to manage my account Reviewed on: 15th January 2023

Proactive credit card provider

Zopa service and costumer relationship was superb when I was applying for my credit card and activation of my card. Reviewed on: 15th January 2023

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