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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)

Brilliant!

Felt totally safe, easy to navigate, the best card ive ever had!! Reviewed on: 13th January 2023

Brilliant, amazing, fantastic, superb

I love my credit card, you get notifications, easy to see balance and it updates your balance straight away when you make a payment. The team are always so helpful and you can change your payment date should you need to to suit your pay day. I couldn’t ask for a better credit card I feel in total control of what I see and what I can spend. Amazing great fantastic thank you :) thank you thank you Reviewed on: 13th January 2023

Excellent credit card

One of the best credit card ever Reviewed on: 13th January 2023

Quick, easy, no hassle

I’ve been with zopa now for maybe about a year, when I’ve had an issue with something, someone has always been there to help me and fix the problem, always polite too. I’ve never missed a single payment, so they increased my debt limit by an extra £300. Having a credit card and being sensible with it, by buying fuel, shopping it’s helped with my credit score and they’ve helped by telling me how to improve and how to gain extra points. Overall I’ve never had an issue with them so I’ll be staying with them for a while Reviewed on: 13th January 2023

Great service

Amazing service, easy to use and affordable Reviewed on: 13th January 2023

Positively excellent

Good communication, good advice, easy to use Reviewed on: 13th January 2023

Best card I've ever used

Best card I've ever used you make a payment it's cleared straight away not in 2 working days like all the others Reviewed on: 13th January 2023

Credit

Have had no problems, excellent service Reviewed on: 13th January 2023

Great card, great service!

Getting a Zopa credit card allowed me to improve my credit score and after a year I was able to get a small loan. They have been absolutely brilliant and I would highly recommend. Reviewed on: 13th January 2023

Brilliant company from the start

Amazing set up amazing app and amazing customer service Reviewed on: 13th January 2023

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