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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)

Fantastic credit card

With adverse credit history I had been declined credit with other lenders. Zopa application process was straightforward, credit limit was good and online app to manage my account makes it so easy. Would highly recommend Reviewed on: 29th March 2022

Banking in the modern era

So easy to use and love all the helping features on the app. So much better than traditional banking! Reviewed on: 29th March 2022

Brilliant

Easy to use fast to upload information of spends and creditings great for on the move. Reviewed on: 29th March 2022

Great service

Always there when I need extra cash Reviewed on: 29th March 2022

Excellent

Excellent service and a warm friendly service from zopa every time.very simple to use app which is very handy! 10/10 Reviewed on: 29th March 2022

Best credit card

Zopa is the best credit card ever I used, it’s giving a better opportunity to keep balance our financial credit Reviewed on: 29th March 2022

Best credit card ever

It's the best credit card ever because it's not charging you stupid fee Reviewed on: 29th March 2022

No hassle user friendly

A very user friendly no hassle credit card very easy apply and a straight forward app allowing total control over spending and making payments I would recommend 100% Reviewed on: 29th March 2022

really easy to use, lovely graphics

:) happy, signed up for zopa and have used for about a month, really happy Reviewed on: 29th March 2022

Easy of access

My experience with Zopa was really good it was very easy to get the credit card the credit card only took 3 days to come from getting approved Reviewed on: 29th March 2022

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