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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)

A great first credit card

Quick and easy to understand on the app and payments are recieved and processed the same day so you are able to keep track of your spend Reviewed on: 16th April 2021

Simple, yet powerful

It all starts at the beginning. One of the simplest bank sign up procedures I have ever been through. It's slick, it's simple, but you know exactly what's going on. The card arrives (and that process is great too) then you have complete control in the app. One of my favourite things is the safety net. It's great having a bigger limit for those rare times you need it, but being able to spend it on the credit card doesn't always match your ability to be able to pay it back quickly. The safety net gives me that peace of mind that the ability to spend is there if I need it, but I'm less likely to get my self into financial difficulty. Very comforting when I've been there before. Reviewed on: 16th April 2021

Very Happy with Zopa

Helping me with my credit rating and build my report Reviewed on: 16th April 2021

Nice

Good easy best easy and compatible to people to use app Reviewed on: 16th April 2021

Wow

I signed up recently with Zopa and it’s so easy to use their app, great service and love the colour of the card! Even got my son to sign up as well and he loves it too Reviewed on: 16th April 2021

Great Trustworthy Company

A great company with excellent customer service, easy to use app and very safe and reliable. Reviewed on: 16th April 2021

Great service and easy access

Great app and easy to use, alerts every time card is used and available credit shown. Reviewed on: 16th April 2021

Hassle free

Easy to use easy to pay just no letters or waiting for the statement to drop Reviewed on: 16th April 2021

Very Comfortable. Great

Lovely people to deal with, very helpful and professional Reviewed on: 16th April 2021

Easy good best credit card

Nice good app and card design best card Reviewed on: 16th April 2021

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