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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)

Flexible & Reliable

Zopa is a very convenient credit card and I will be looking to join the saver account too as I need to start saving my money and I like the fact there’s an option in place so I can choose not to touch my funds for 30 days, which means I won’t be tempted. Also, I am with Utility Warehouses recommendation. Zopa isn’t just a credit card. It’s a way of life! Reviewed on: 14th January 2023

Profesional,easy and clear

Very easy to apply , very fast , Reviewed on: 14th January 2023

My review

Always very helpful & nothing is an issue Reviewed on: 14th January 2023

Top Class Zopa

User friendly, latest technology. An array of different products and services. Simply the best! Thanks Zopa. Reviewed on: 14th January 2023

one of the best credit cards i have

i have 16 credit cards but because of the flexibility and best customer service i choose to use zopa on daily basis i would recommend this card for the best experience Reviewed on: 14th January 2023

Nice little product that comes with good customer service

Exactly as the title - nice little product (credit card) with good customer service that quickly resolve queries. Had the card for a year and i've never encountered a problem with them - :-) Reviewed on: 14th January 2023

Good

Good I am very happy for the services Reviewed on: 14th January 2023

Credit rating Bounced back

It’s been great having the Zopa card, it’s so easy to use, the instant payment feature where it credits your balance straight away is awesome. An it’s been really good with balancing my credit score and bringing it back up. Reviewed on: 14th January 2023

Good advisers

I love how the app tells you how your credit is doing and keeps you up to date on your spending and makes suggestions how to improve your credit score. Reviewed on: 14th January 2023

Best credit card company around!!!!

Excellent customer service, fair with credit increases, all round amazing company Reviewed on: 14th January 2023

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