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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)

Wonderful experience

This zopa credit card very wonderful experience . The best card Reviewed on: 13th January 2023

Amazing customer service and support!

Really feel like this company help and support! Always ready to listen and offer solutions and always gone above and beyond! Wouldn’t get a load or credit card anywhere else! Even who I bank with! Reviewed on: 13th January 2023

Great card to have.

I really love my Zopa Credit Card also another thing which is great is the Linked Saving Pots that you can link to your account. The 4 Tiers that you can have all have a good rate of interest paid to you monthly into your account. So in all you have a Credit Card and Savings all in once place. Reviewed on: 13th January 2023

Very competitive

In a lucrative business I found Zopa was a the best I found. Reviewed on: 13th January 2023

Excellent Backup

Easy to use, app is also easy to use and pay on time. Pay even before your due date. Never had a issue with Zopa always reliable and there when you need it Reviewed on: 13th January 2023

Excellent

Excellent Customer service easy to use absolutely no problems would recommend to anyone Reviewed on: 13th January 2023

Credit builder made easy

I needed to rebuild my credit and Zopa has helped me do this in an easy and safe way Reviewed on: 13th January 2023

Fantastic card for all credits and situation

I enjoy zopa credit card because of the ease of repayment and monthly payments. Very understanding in difficult situations when finding it difficult to pay the agreed monthly payments. The Zopa app is very simple to operate. Reviewed on: 13th January 2023

Grade A looking after customers

Abfab service, well organised website and amazing how they look after you. 10/10 Reviewed on: 13th January 2023

Credit worthy my vote.

Top card to have, money available as soon as you make a repayment, nor like most, Where you have to wait a number of days. Reviewed on: 13th January 2023

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