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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)

Low rates, good communication

Low rates can be hard to find but I found Zopa very competitive. Also their savings rates are some of the best around. Reviewed on: 13th January 2023

Highley recomend

Easy to set up decent apr for my credit rating and i like that i can set up savings aling side it in the same app Reviewed on: 13th January 2023

No fuss credit card

From applying to receiving my card, it was all straight forward with no issues. The app is super easy to navigate and payments show that day usually which I really like. I have had a credit card in the past where the app was clunky and payment would show after 3 plus working days. Everything has been plain sailing. Would recommend. Reviewed on: 13th January 2023

It can be better

Ther is a lot of room for improvement, by this time into it , I don’t really know if I will recommend to anyone , but who knows maybe in the future I will … Reviewed on: 13th January 2023

The best card

Zopa card is the best card . Not take too much interest plus very easy . You can add. App and you can look everything. Very nice card Reviewed on: 13th January 2023

very easy to use

The app is very good and intuitive when paying for my credit card payment and very easy to use.It remembers my 3 digit authorisation code and the transaction reflects immediately, instead of a 3 day delay like a number of credit card providers, It remembers my details from previous payments so only have to click at most 5 times very quick. Reviewed on: 13th January 2023

Good company

I have never had a problem with Zopa, help me out when needed. Reviewed on: 13th January 2023

Brilliant company

Very good company no problems what so ever! Definitely will recommend to family and friends. Reviewed on: 13th January 2023

Not one problem

Never any issues, always answering any concerns I may have Reviewed on: 13th January 2023

Effortlessly simple!

Awesome! Great fluid app, easy navigation and totally transparent. Top marks! Reviewed on: 13th January 2023

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