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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

Excellent service

It’s amazing to grow up your score, it’s very easy to manage and understand the app. Additionally it has different options to save money with a good porcentaje of AER Reviewed on: 10th January 2023

Thanks

I like to say thank you you said yes when everyone said no Reviewed on: 10th January 2023

Best Card I've ever had.

Fast, efficient application process. Easy to use App (even for an 'old codger' like me), and prompt accurate information always available. Reviewed on: 10th January 2023

Simply amazing

Very happy and can suggest to everyone Reviewed on: 10th January 2023

Great Customer Service Experience.

Everything is superb. Very good. Reviewed on: 10th January 2023

Great service even better app

I really like the Zopa app, it is easy to see you remaining balance and how any extra repayments can have an impact. It’s really usually during the current cost of living crisis as it allows me to be money aware and look after my budgeting. Reviewed on: 10th January 2023

Best credit card provider!

It’s so hard easy to manage repayments, everything is displayed clearly and there’s always encouragement to make payment early. The financial health awareness is a plus! Reviewed on: 10th January 2023

Unprofessional

I got a credit card . Fraud on the card . First they give me the money then take it back . What company does this Reviewed on: 30th November 2022

BE AWARE

I got my funds withdraw on my instantmarchantpayment after the help of @shannifaiq on Telegram, he activated my account. My friend instantfunding account also got done too. Reviewed on: 11th September 2022

Low APR Decent Credit limit

App is good too - shame they don’t do current accounts! Reviewed on: 18th August 2022

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