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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)

I love zopa but

I really like my card, but I think the limit is too low! other than that the experience with Zopa is great. Reviewed on: 29th March 2022

Fabulous service

I have had a few credit cards in the past which I paid off and closed due to for a number of reasons. I cannot recommend Zopa enough, it will be my forever credit card. The app is easy to use, payments go on straight away, their customer service is great. I have nothing negative to say about this company! Reviewed on: 29th March 2022

Best customer service

This is a great card the customer service is amazing and really friendly and helpful I would highly recommend Reviewed on: 29th March 2022

Excellent service

Applying was easy and hassle free. Communication was simple and regular updates are always appreciated Reviewed on: 29th March 2022

Easy to use, good experience

Easy to use, easy to apply, good service,i got my carde after 2-3 days was delivered quickly Reviewed on: 29th March 2022

Made some mistakes

I made a few wrong choices a few years back basically my credit score was grimm thanks to zopa they gave me a credit card to help me rebuild my score always helpful and the app is super easy to use I think they are a great credit company woukd definitely recommend them Reviewed on: 29th March 2022

Amazing bank!

Service is great, really helped me! Reviewed on: 29th March 2022

My review

Really helpful and the app is ideal and easy to navigate. Reviewed on: 29th March 2022

Easy to apply, quick card delivery

I had an instant decision on my application and the card arrived super quick. 10/10 from me! Reviewed on: 29th March 2022

Very helpful & reliable company

Zopa is a very helpful and understanding company when you are going through some difficulties. Their service is very impressive as they are very quick and easy to use and they also have a customer friendly website, which keeps you up to date with the progress on your applications. I have a credit card with them and they always notify me 3 days before that my payment is due just so I don’t forget to make my payment. Their customer representatives are professional, helpful and polite which is refreshing as some of these credit card companies customer services are not always the best. It’s refreshing when a financial company goes out of their way to invest in their customer service. Reviewed on: 29th March 2022

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