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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 service, no hidden parts

I have other cards and always know where I am with Zopa. There are no hidden charges or surprises. Customer service is great with any queries answered within ample time. Reviewed on: 25th January 2022

Great!

Easy app, responsible lending, knowledgeable, great APR, clear emails and correspondence Reviewed on: 25th January 2022

Brilliant credit card

I love this credit card. Really nice looking card design but the rate is low and easy to pay back. They also have a great app Reviewed on: 25th January 2022

Paul sargeant

Very good card with great flexibility. I carry mine for every day expenses then pay it off every month as it’s easy to use with contactless payment .great app as well meaning you can see your spending and pay off when your on the go as well as the credit score . Reviewed on: 25th January 2022

Brilliant Credit Card

Always there when I need it, easy to use app, easy to set up monthly direct debit to pay back what I have used! 10/10 Highly recommend!! Reviewed on: 25th January 2022

Brilliant service

Since I've been with zopa my credit history has really improved over the months also customer service experience has been one of the best I've experienced in many years Reviewed on: 25th January 2022

Credit card

Friendly Credit with all terms clearly explained. Plus borrowing power. Reviewed on: 25th January 2022

Flawlessly flawless

It is an amazing credit card, everyone who has one I am sure agrees as I am one of those people, a Zopa customer. It is simply flawlessly flawless! Reviewed on: 25th January 2022

Very simple to use

Great product great app easy to deal with. Highly recommend. Reviewed on: 25th January 2022

Great Customer Service Experience!

Great products on board! Would highly recommend! Reviewed on: 25th January 2022

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