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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

Excellent

I’ve enjoyed using the Credit Card Reviewed on: 14th January 2023

Awesome benefits and reliable

Always great to take emergency cash and Zopa never fails. The app is easy to use and works flawlessly. The rates are great and I never feel like I’m being punished with rates. Does what it’s supposed to do and has great features. Reviewed on: 14th January 2023

Fantastic all round service

Oh so simple application process with instant decision...the app is superb and the acc so flexible. Zopa communication is spot on too....not irritating or overbearing, nor are you left in the wilderness. ***** Reviewed on: 14th January 2023

Good credit builder

It’s been great and I can not thank them enough Reviewed on: 14th January 2023

Very happy with service

Always helpful and there to help Apps is very helpful and helps pay your account each month and can pay more if you can afford to Reviewed on: 14th January 2023

Good credit limit

Good card and limit with flexible payment Reviewed on: 14th January 2023

Helpful

Money when I needed it most. It is nice to have a credit card provider that has faith in its customers Reviewed on: 14th January 2023

Good company

Easy to apply,and use,very good company,very happy with zopa,everythings straight forward Reviewed on: 14th January 2023

Excellent card Great service

An excellent card with an app that’s very user friendly. Reviewed on: 14th January 2023

Amazing Customer service and quick access

Almost seamless and quick access to all the services and the foreign exchange rates very competitive, had issues with a transaction once and customer service resolved the issue promptly Reviewed on: 14th January 2023

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