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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)

At the touch of an app!

Really easy application, approval was quick and very straightforward, no hoops to jump through! App was set up quickly and card received within a few days. App is so easy to use and repayment is instant, meaning your money doesn’t disappear into the banking ether for a few days whilst it reaches your account! App is live so it’s easy to keep on top of spending and repayment. Would recommend whole heartedly! Reviewed on: 25th January 2022

Great card

Great card, easy to set up and use. Never had an issue. Reviewed on: 25th January 2022

Credit done right!

I have had a great experience, I like the card, love the app, it let's you manage your money in real time. Great APR and a really easy application. Definite recommendation from me. Reviewed on: 25th January 2022

So easy to manage and low interest rate

Easy to manage through the app, messages to tell you when you’ve spent, how much and huw much left. Reviewed on: 25th January 2022

Great company!

A great company. Great customer service and overall great credit score builder! A+++++ Reviewed on: 25th January 2022

Working Progress

Working Progress on the road being the best at what you do. Reviewed on: 25th January 2022

Great Credit

This is a great credit card and when you make payments it goes onto the account immediately instead of waiting a couple of days which is really helpful Reviewed on: 25th January 2022

Can't fault them at all

Good credit limit to start and quick to acknowledge on time payments and management of account with credit increase. When making payments to the card they are on within a couple of minutes no matter what time of day you put them on. Good customer service department (only called once) and solved a query very quickly. Can't honestly find fault at all. Reviewed on: 25th January 2022

Brill

Amazing service. Easily accessible Reviewed on: 25th January 2022

Excellent card

Used zopa for a year now and never had any problems Reviewed on: 25th January 2022

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