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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 PRODUCT

Easy to use top service love how it’s just an app Reviewed on: 18th April 2021

Friendly staff fast efficient service first class

Absolutely speedy delivery of card, fast efficient service like a friend in my wallet Reviewed on: 18th April 2021

fantastic

easy to setup, great service. really helps build credit score Reviewed on: 18th April 2021

Brilliant company.

I am grateful to Zopa for giving me a chance to build my credit rating back up following me being impacted hard following a very expensive end to a long term relationship. Most lenders said no to my applications but Zopa said yes. The service is quick and the app is really easy to use. I would recommend them to anyone. Reviewed on: 18th April 2021

very straight forward to use app

The application was really simple although customers services had to contact me to tell me a mistake was made with my address, which meant I may not receive my card. I spoke to customer services and they were very friendly and helpful and a new card was sent out right away. It is so easy to manage my card through the app. Reviewed on: 18th April 2021

Easy

Everything is at touch of a button very easy to use pay and understand Reviewed on: 18th April 2021

Simple and easy

Quick easy app based credit card with no hassle Reviewed on: 18th April 2021

Easy to use app

Easy set up, app easy to use, clear instructions of usage. Reviewed on: 18th April 2021

Brilliant service

Great service, easy transaction. Reviewed on: 18th April 2021

Excellent Credit card Provider

The services and process are fairly simple and straightforward. The app allows you to keep on top of your card usage. I will surely recommend them. Reviewed on: 18th April 2021

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