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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Credit card

I WOULD BE HAPPY TO RECOMMEND ZOPA TO ANYONE THE SERVICE YOU GOT IS OUTSTANDING THE INFORMATION YOU GET IS VERY CLEAR TO APPLY FOR A CARD SO I WOULD LIKE TO TAKE THIS OPPORTUNITY TO THANK YOU. Reviewed on: 13th January 2023

A star credit card

Great credit card with an amazing app, I can use the card with confidence allowing me to spend what I need and I have the ability to save money all at the same time with the savings boost pots in the app, I have everything in one place. Reviewed on: 13th January 2023

Funds cleared

I love that my funds clear immediately when paid into card Reviewed on: 13th January 2023

First Credit card since my IVA

its so easy to use and navigate. I was terrified to get a credit card since I started an IVA in 2017 but I knew i needed one to help buy a house so it is only a small amount on the card but as it is all app controlled it just makes it super easy to watch how and when i use it Reviewed on: 13th January 2023

About a credit card

So easy to talk to someone and everything you need is in the app Reviewed on: 13th January 2023

Perfect

Has great rates and ideal for my personal finances Reviewed on: 13th January 2023

Excellent provider

Best credit card and best support on the market Reviewed on: 13th January 2023

Brilliant

So helpful zopa was there when I needed help Reviewed on: 13th January 2023

Flexible, tailored & quick service

From application process through to customer service; Zopa have been great. App is transparent and very user friendly. Good level of communication too. Happy customer. Reviewed on: 13th January 2023

Fantastic

Great credit card nice and easy to apply and manage all done on the app highly recommend Reviewed on: 13th January 2023

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