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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

Overview of my experience

I have a credit card and personal loan with Zopa. On both occasions I feel they very efficient on determining my credit limits to affordable limits. The whole process, on both occasions were very professional and dealt with efficiently and timely. Very highly recommended Reviewed on: 29th March 2022

Smooth Process

The entire process was simple and easy from application to setting up the app. I'm happily using the card and repayments are updated instantly. Reviewed on: 29th March 2022

Great service

I applied for my answer straight away and card came with a week. Was so easy to set up monthly payment and you can add payments anytime if you want to. Very happy with the service so far Reviewed on: 29th March 2022

Great deal. Easy to repay

I am using it almost everyday. And spending and repayment is so quick. Reviewed on: 29th March 2022

Best product on market always had LG glad I chang

Very professional very curtious very polite and not trying to give you something you don't want Reviewed on: 29th March 2022

Simple and easy. Straight forward

First time I’ve taken out a credit card with Zopa. The actual app is amazing to use. So quick and easy. Much better than any high street bank card. I will definitely recommend this card to everyone Reviewed on: 29th March 2022

Quick and reliable service

I’ve been so pleased with how quick the app is set up my card was activated straight away Reviewed on: 29th March 2022

Absolutely fantastic amazing

Fantastic rates amazing custermer service overall absolutely fantastic Reviewed on: 29th March 2022

Fantastic company

Very quick to respond,customer service always do there best in any situations,happy customer Reviewed on: 29th March 2022

Brilliant and Easy

The whole experience was easy, the notifications telling me how much I've spent is good to keep track off and also the security when purchasing online is really good too. This comes in handy if there is any fraudulent activity on the account Reviewed on: 29th March 2022

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