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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)

Friendly app and customer service

Always felt valued. Secure app and great customer service. Reviewed on: 14th January 2023

Excellent

Easy and fast to use. Nice low credit. Not forced to a credit increase Reviewed on: 14th January 2023

Credit card borrowing

Zopa have made me to realise that I could have a credit card and use it sensibly for my everyday shopping needs. Once I understand that I could consolidate my debts with Zopa helping out I am delighted with the state my financial health now is at. Well done to Zopa for having my back. Reviewed on: 14th January 2023

They don't offer more than you can afford,they always keep you up to date on your account.

I have a bad credit rating,they help me to get my rating up with support,and understanding. Reviewed on: 14th January 2023

Very nice and easy to use

Totally recommend this product to anyone who needs an extra money in the pocket Reviewed on: 14th January 2023

Very good

All ways helpful and there for you and easy to understand Reviewed on: 14th January 2023

Great company

Show customers care and look afer there customers are kept informed throughout. Reviewed on: 14th January 2023

Cheap for repayment

Monthly charges are very much affordable Reviewed on: 14th January 2023

Excellent customer service

Good interest rates, excellent customer service, easy to use app Reviewed on: 14th January 2023

All round great experience

Good interest rates. Easy management of credit card through the app. Good communication from Zopa. Reviewed on: 14th January 2023

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