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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)

Extremely helpful

Brilliant customer service,clear statements and information about your status. Best credit company I've ever dealt with. Reviewed on: 15th April 2021

Excellent

Zopa is great, it’s super easy to use too. Reviewed on: 15th April 2021

Easy to use

Simple effective and easy to use. Reviewed on: 15th April 2021

Great and efficient

Signed up for a credit card. Received it in the post within a few days. Very quick and efficient. Love the app as a way of controlling my account Reviewed on: 15th April 2021

Excellent service from a fantastic card company

I have always been updated on how to manage my card my expenses and as a bonus to improve my credit score Reviewed on: 15th April 2021

Reliable

Flexible and reliable credit that suits customer needs Reviewed on: 15th April 2021

good service

very good service and good interest rate Reviewed on: 15th April 2021

The best

Bad experience, I'm sorry guys but I still can't to use my credit card Reviewed on: 15th April 2021

Easy onboard, great app

I got my credit card via being made eligible from Credit Karma. Hit ‘offers’ in credit Karma, saw I was eligible, transferred to Zopa, completed application and got response straight away.....took about 10 minutes which was great! App account was set up straight away which was fantastic! Credit card arrived within 3 days....even better! App has great feature to advise if you’re eligible for a loan and uses iconography (happy/sad faces) based on credit report so easy to get a view and no jargon. All in all it’s was just very straightforward, quick and got all I needed in less time than I expected Reviewed on: 15th April 2021

Smart, handy and fair

I've found zopa to be a great little card to help with those purchases needed till payday with fair rates and all round great customer service and the app just makes it easier to use and understand Reviewed on: 15th April 2021

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