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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)

Amaizng

Very easy to use and user friendly on their app too, very understandable and amazing company! Reviewed on: 29th March 2022

The best credit card I have ever had fat updates and good rates.

I have been with Zopa for ages and it’s my best experience Reviewed on: 29th March 2022

fluffy

Only just signed up to your credit card but it as come in very useful many thanks Reviewed on: 29th March 2022

Terrific customer service

My experience with Zopa has been fantastic, keep up the great work Reviewed on: 29th March 2022

Good credit card

Easy to use, overall good credit card. Reviewed on: 29th March 2022

The best in a long time!

Nothing is ever to difficult or hard to ask when speaking with the customer service team. The app is really efficient and easy to use. I was very nervous at first - as this Is my first ever credit card. But honestly I’ve been made to feel so safe whilst using Zopa. I decided to go with Zopa as it offered such great monthly APR , especially for someone of my younger age and experience with credit cards. The credit card is a great credit score builder for me and I enjoy using it a couple times a month for fuel and using the app also. Reviewed on: 29th March 2022

quick service good experience

No problems in service, app is nice and easy to use . Highly recommend it. Reviewed on: 29th March 2022

super practical

Zopa is my first credit card and I use it for all my payments It is no coincidence that the online application is quite simple and useful number 1 Reviewed on: 29th March 2022

Superb card

The company and the set up for using the credit card is incredibly straightforward. No hassle, no issues. Exactly what you want Reviewed on: 29th March 2022

Zopa Credit card is not good for me because I am using this card since last 1 year and paying my full statement amount every month but still I didn't get any cards my card Limit to increase.

According to AQUA credit card ZOPA credit card is worst for me because since last one year I am using Zopa card and my credit Limit is same. Zooa credit card doing always HARD credit checks its not good for everyone one. I have AQUA Credit card since last 9 months and they increase my credit Limit 3 time, so I am not recommending to ZOPA credit card to anyone.. Reviewed on: 29th March 2022

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