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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Wonderful credit company

Always there to help and great ways to do credit. Reviewed on: 29th March 2022

Better by far

Sorry bot one for words, but I'm happy with the service I'm provided, zopa is far better than other credit cards, e sample male a payment and its instantly credited to your account, unlike competitors like capital one who take 7 days to credit it, then sting you for 20 quid as it missed the payment date as they was holding onto the payment you made well before then time Reviewed on: 29th March 2022

Rocking great

Easy,smart,effcient,clever,always there Reviewed on: 29th March 2022

Zopa

Great team keep up the great work Reviewed on: 29th March 2022

Easy to use, very clear

Excellent app, very easy to use and has the excellent "credit cushion" facility for protection of some of your available balance Reviewed on: 29th March 2022

Ease of use

Transactions are received within minutes unlike other credit cards taking multiple days Reviewed on: 29th March 2022

Experiencing the customer valued service

The value they are giving the customer and the payment terms is so relaxing. Reviewed on: 29th March 2022

Simple

The app makes it simple for older people like myself to understand and use Reviewed on: 29th March 2022

Zopa knows how to treat a customer by truly valuing their relevance to the company

No other providers provide the level of understanding and respect. Reviewed on: 29th March 2022

Very simple and easy to use

Zopa is by far one of the best credit cards out there, the mobile app makes it so simple to track your spending and account is automatically credited when you make a payment to it which i believe takes 3-5 days for payments to appear with their competitors! Reviewed on: 29th March 2022

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