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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)

Mr humberstone

Easy set up easy site to follow alwsys kept infomed Reviewed on: 29th March 2022

Very easy to use , can control spending also

Such a good app , easy to use , I can control my spending , up my limit , use more then any other of my credit cards , would recommend ! Reviewed on: 29th March 2022

Very Impressed

App is great lots of useful information. Regular updates couldn't ask for anymore very pleased with Zopa Reviewed on: 29th March 2022

Fast, reliable, absolutely great value

I've discovered Zopa by accident and absolutely fell in love with the product. The app is intuitive and straightforward, the repayments are calculated really well and it provides a flexibility I needed. Most importantly, there's no hidden charges or hard upsell of other products, which makes it even better. I'm a big fan. Reviewed on: 29th March 2022

Efficient app

I like Zopa because their iPhone app is so easy to work. You can access or change many things by a click of a button Reviewed on: 29th March 2022

Zopa a company without all of the drama

Easy to apply, quick decision, everyone deserves a second chance and Zopa have helped me with that. Very much appreciated. Reviewed on: 29th March 2022

Great service

The app is very user friendly and they have been a great service Reviewed on: 29th March 2022

Just fantastic

Couldnt believe how quick they were getting me a credit card and a loan. Reviewed on: 29th March 2022

Just very happy

Very happy quick and simple would recommend to anyone Reviewed on: 29th March 2022

Helpful, friendly

Very helpful and professional. My credit score has improved since being with Zopa Reviewed on: 29th March 2022

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