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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)

Very happy

Does what it says on the tin great card great company very quick and reliable can't ask for anything less well done Reviewed on: 16th April 2021

Best card !

Great card and so easy to manage with all the tools on the app Reviewed on: 16th April 2021

Satisfaction

God amazing service provided I like Reviewed on: 16th April 2021

Quick and easy

Really easy application and quick set up. Nice easy to manage balance. Great App for iPhone makes seeing transactions and making payments easy Reviewed on: 16th April 2021

Easy to use

I use the app which is brilliant but simple I can pay and check my balance also I get alerts when I have spent and it always tells me what I have available Reviewed on: 16th April 2021

Easy application

Perfect for the unexpected bills good job zopa Reviewed on: 16th April 2021

Fantastic little company

Great company interest rates are high but. I used my card and paid zopa back the week after. Reviewed on: 16th April 2021

Great service

Easy to apply, easy to use app and keep track of everything Reviewed on: 16th April 2021

The best online banking experience!

The app is really easy to use and the thing I love the most is that if you pay some money in, it immediately shows it in your balance. With other credit card providers, it usually takes 2-3 working days. Reviewed on: 16th April 2021

Excellent Service, Instant Repayment & Payment Notifications

I applied with a Zopa for a credit card to build my credit, the application process was quick, easy and simple. I have used the card each week and made immediate repayments, the payment notifications and the fact the paid balance is instantly updated is fantastic. Most credit card companies take 2-3 days to reflect payments. Can't fault at all. Perfect. Reviewed on: 16th April 2021

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