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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)

Starter Pack

Great for anyone with bad credit and newly credit card holders, app is design to help monitor your spending and teaches you how to manage your card and spending Reviewed on: 13th January 2023

Simply the best

Simply the best credit card & app I've ever had. The app is so easy to navigate to view your balance and make payments, also to transfer money into a seperate savings pot which gives excellent interest rates. Reviewed on: 13th January 2023

Excellent and Handy

Customer service is excellent. App is awesome. 2 in 1 credit card idea seemed phenomenal to me. Moreover, I have been benefited by their balance transfer offer. Reviewed on: 13th January 2023

Perfect

A perfect card for our needs , fast answer and fast delivery Reviewed on: 13th January 2023

The Best

Slick app, fantastic service & putting customers at ease Reviewed on: 13th January 2023

Brilliant company

I haven’t been with them long but so far their service is faultless Reviewed on: 13th January 2023

Good but not as stated

I chose zopa due to being shown as 9 months no interest on purchases once activated made some purchases it turns out it was only 30 days no interest not really what I was wanting and as shown when raising this they said you’ll have to clear the balance and close the account, which was a little late so disappointed I’ve now had to pay interest because of false advertisement. On the other hand the app is good Reviewed on: 13th January 2023

Soooooo Helpful

So helpful, there when you need them!! Reviewed on: 13th January 2023

Best credit card company ever

Zopa helped me when I really needed it. Thanks to them I’ve been able to sort out my finances and am now stress free! Reviewed on: 13th January 2023

Excellent..

Best credit card provider..No1.. Reviewed on: 13th January 2023

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