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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.

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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)

Credit card

Zopa credit card helps me to rebuilf credit rating. They undertake monthly affirdability checks. Easy to monitor usage via app or text update wity each transaction. Very safe. Great company. Reviewed on: 14th January 2023

Refreshingly modern

Zopa is such a professional yet modern Credit Card provider. The application was quick and user-friendly without ever compromising on delivering the crucial and important information that goes hand in hand with credit products. The App you can use for card management is spectacular; it has all the features you'd expect and a lot more. Since having my Zopa Credit Card I have used almost all aspects of the app and Zopa's services. From viewing my PIN, and card details, and updating and amending my direct debit repayment details, the service provided is impressively simple without compromising on effectiveness, which I don't see with my other Credit providers at this level. One of the many impressive things I have to compliment is the ability to set a spending cap on your card. This allows you to maintain responsible use of the card and physically prevent an over-utilisation that would otherwise negatively impact your credit rating. Zopa goes one step ahead of its competition in this regard and they advertise the feature and even suggest it to its users. Other companies I have dealt with may allow this option but tend to almost hide it from the basic user as it of course leads to people spending more and paying back more in interest. Zopa takes a much more responsible approach and explains and encourages such a thing, which I feel will keep customers and keep them happy and their credit well-managed in the long run. Their credit limit increases are closely regulated to prevent giving those who cannot afford more credit the ability to get into debt they cannot reasonably manage. Lastly, when dealing with customer services (which may I add is much more accessible than other Credit suppliers I have dealt with) I have been treated with dignity and respect, and the staff show genuine care for the customer and are doing what they can to help in any given situation. I couldn’t be happier than I am with Zopa and have already suggested their products to my family and a few close friends, some of whom have begun using Zopa as their primary credit card supplier due to the reasons I discuss above. Reviewed on: 14th January 2023

Works for me

Had a credit card with zopa for about a year never had any issues Reviewed on: 14th January 2023

Very efficient

Everything is very well organised and easy to manage in Zopa credit card Reviewed on: 14th January 2023

Zopa credit card

Very helpful app They have helped us through my difficult times it's very understanding Reviewed on: 14th January 2023

Excellent

Great company, no problems at all since I've had my credit card with zopa Reviewed on: 14th January 2023

easy use of the application, affordable interest, and great for use

nothing to complain about , with almost 2 years of use , I just have to say that I had a great experience with the attendants , with the application , and use Reviewed on: 14th January 2023

top service

easy to apply and great service love my Zopa Credit card I also have the app which is easy to understand and very straightforward. Reviewed on: 14th January 2023

Simply brilliant

Simply amazing great customer service and a real help with supporting my credit needs Reviewed on: 14th January 2023

Best credit card

Always there to help and try there very best to help we’re they can never had a problem always able to get hold of some one Reviewed on: 14th January 2023

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