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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)

Good service

Zopa have high-level and convenient offers and services for the customer,thank you,I recommend ! Reviewed on: 14th January 2023

Good

Good credit card would recommend to others Reviewed on: 14th January 2023

Zopa is reliable

The money is there on your card as soon as you pay it . Good rates also Reviewed on: 14th January 2023

Very good credit card company

Highly recommended A very easy setup and user friendly app Reviewed on: 14th January 2023

Highly recommended

I have no problems with zopa since I have been with them. There websites is so easy to navigate around. There application process is quick and easy. Will get a response in moment's. Reviewed on: 14th January 2023

Very efficient and user friendly.

Simple and easy application. Very quick delivery of account details and Credit Card. Reviewed on: 14th January 2023

Easy and reliable banking

Excellent experience so far with Zopa. They are helping me step by step to rebuild my credit score with my current credit card offering. The app is super user friendly and incredibly easy to navigate. The card looks great and the customer service to date when required has been second to none. Reviewed on: 14th January 2023

Bery pleased

Fab card, great service and rates Reviewed on: 14th January 2023

Gave me a chance when nobody else would

I had previous bad credit around 5 years ago and zopa gave me a chance to show I'd learnt from bad decisions in the past. ZOPA have helped me increase my credit rating and are a breathe of fresh air Reviewed on: 14th January 2023

Sensible, easy, flexible

A very intuitive app that makes spending and management easy and painless. Reviewed on: 14th January 2023

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