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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)

Everything is so simple

Very happy with my Zopa credit card. The Zopa App makes everything so simple to use which really helps me monitor how much I spend, when the next payment is due, the payments options and estimates interest depending how much of the balance I pay off. I’m yet to incur any interest on the money I have spent using the Zopa Credit Card and I put that down to the simplicity of the Zopa App. Reviewed on: 13th January 2023

First class company

Zopa make everything so easy and are always on hand to help out Reviewed on: 13th January 2023

Customer friendly and easy to use

Very easy customer experience, easy to handle disputes and instant balance reflection (other card providers take a few days to show) making it easier to manage my money. Great looking card too which is always a bonus Reviewed on: 13th January 2023

Just a super friendly company

Can’t sing their praises high enough, no fuss, crystal clear policies, nonsense attitude, it’s a pleasure to be with them Reviewed on: 13th January 2023

Great no fuss card

Easy & transparent with the best rates Reviewed on: 13th January 2023

Best company Zopa

helped me a lot to raise my credit score is one of the best companies I recommend with confidence Reviewed on: 13th January 2023

Great card

Easy to use, great app, excellent customer service.. Highly recommended Reviewed on: 13th January 2023

So helpful

Zopa is so helpful they also help you look after your money the best credit card for poor or bad credit Reviewed on: 13th January 2023

Would recommend

I took out this credit card to improve my then non existent credit. My credit score has improved and zopa have been very easy to work with. Customer service has also been very good each time I've called. Reviewed on: 13th January 2023

Excellent service

Zopa is friendly user credit card with an app that is very easy Reviewed on: 13th January 2023

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