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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)

Superb

Easy to use , great customer service Reviewed on: 25th January 2022

Excellent service

Excellent customer services. App is straight forward and easy to use. Payment alerts are great Reviewed on: 25th January 2022

Hassle-free and pressure-free at every turn.

I have nothing but positive things to say about Zopa. The process was very easy and got me out of a sticky spot financially at the time. Reviewed on: 25th January 2022

Zopa is awesome

I have had a very good experience with Zopa, Always informative and offer a great service Reviewed on: 25th January 2022

great card.

great card, with great features. Reviewed on: 25th January 2022

Excellent easy to manage card.

Great card, that's is easy to manage online. See spending instantly as well as reduce balance and make payments. Reviewed on: 25th January 2022

No game playing

Zopa are straight forward, transparent and upfront. No hidden fees, and they take a direct debit when they say they will. I also like the reminders leading up to the direct debit date. Reviewed on: 25th January 2022

Excellent app and easy to understand finance options

I really appreciate how easy the app is to use and by using borrowing power, it’s easy and useful to know credit options available to me Reviewed on: 25th January 2022

Very good services

I'm so happy with your services and recommend you to all of my friends Reviewed on: 25th January 2022

Good for people with bad scoring

Start with small amount of founds gives you chances to prove that you capable of managing it, and rise the limit , app is very clear and useful. Reviewed on: 25th January 2022

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