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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)

Payments are quite easy

The best British credit card I have used so far. Reviewed on: 29th March 2022

Very easy to apply and use

I would recommend them to everyone.. Reviewed on: 29th March 2022

Great app and very accessable

Great app only the APR is pretty high but hopefully great for credit building Reviewed on: 29th March 2022

The best

Zopa is the best ,no 1 for me and I recommending for all people! Reviewed on: 29th March 2022

Roy nash

Since using Zopa I have found it probaly the best credit card to use…app is very easy to navigate…all terms and conditions explained very straightforwardly … I would give Zopa top marks Reviewed on: 29th March 2022

Easy

Easy to use online app best credit card out there Reviewed on: 29th March 2022

Credit card

Easy access to the app to matting your account and good to build up your credit score Reviewed on: 29th March 2022

Very easy application process and the user friendly app is great

The application process was very straightforward and got my card within days. The app is very user friendly keeping you up to date with your card usage and full of information and answers Reviewed on: 29th March 2022

Great company

Ease of use and app works well. Customer service are very quick in getting back to you Reviewed on: 29th March 2022

It is great!

The app is straightforward and user friendly, and the service is prompt. Reviewed on: 29th March 2022

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