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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)

Great

This card helped me when I needed it most, cost of living went up but my salary didn’t and to have an emergency fund was so helpful. Reviewed on: 29th March 2022

Excellent user friendly service

My zopa credit card has given me an easy to use efficient and friendly service and I would definitely recommend this service to anyone looking for a reliable provider of credit services. Reviewed on: 29th March 2022

great

family do it all on line which is good Reviewed on: 29th March 2022

Great card. Easy to apply

Easy to apply. Easy to use with app on your phone and it also sends notifications when you have used your card. Reviewed on: 29th March 2022

Brilliant

From start to finish so easy to apply Reviewed on: 29th March 2022

Wonderful .

Great card well worth it. Able to use anywhere. Reviewed on: 29th March 2022

Zopa is quick and easy

App is very simple and easy to use. Payment reminders are sent via email and text which is great to keep you up to date. Reviewed on: 29th March 2022

Customers are their priority

Every time I use the card my spending is recorded and this helps me to monitor my spending and should my card be used fraudulently I can identify it easily also there is a credit cushion of money being banked for emergency purpose which is brilliant! Of all my cards Zopa is the best! Win win. Reviewed on: 29th March 2022

Fast at responding

Quite quick in accepting customers not like others making you wait Reviewed on: 29th March 2022

Easy straight forward!

I applied for my credit card with Zopa a little while ago and I must say it was the easiest and most straight forward application I’ve ever done! The app is brilliant and I can keep track of my spending! Thank you! Reviewed on: 29th March 2022

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