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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)

Credit with no hassle

I have a few credit cards with an active balance, but, I never get any hassle off zopa. One other provider, who shall remain anonymous, is constantly telling you how close to your limit you are, and how you could be fined for going over your limit. It's patronising to say the least. Reviewed on: 13th January 2023

Credit card

Very good and helpful would tell anyone about the service I had Reviewed on: 13th January 2023

A great card

A great card with a good easy to use app. Would recommend. Reviewed on: 13th January 2023

Excellent product

Thank you for Zopa. Everything is clear. Reviewed on: 13th January 2023

It help me in my hard time financialy

Excellent credit card with good interest rate good service Reviewed on: 13th January 2023

Flexible credit card with great customer service

Offered me a credit card when I didn't have a great credit history. I repaid on time and kept within my limit and they increased my limit accordingly. Great customer service and a competitive interest limit. Great company! Reviewed on: 13th January 2023

Great card

Easy to use and no fuss.My daughter always say mom where's the Zopa card.Its my go to for everyday shopping. Reviewed on: 13th January 2023

Easy Peasy

Zopa is without doubt the easiest credit card that I have ever been associated with. Everything done on line in a simple straightforward and easy to use website. Glad that I came across them online. Would definitely recommend their services. Reviewed on: 13th January 2023

Good company

Good company help people Who would usually be declined gain credit and bell responsibly rebuild Reviewed on: 13th January 2023

Great customer service

Great customer service with s easy to use app Reviewed on: 13th January 2023

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