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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)

There when I needed them

First class service and they were there when I needed them. Reviewed on: 8th April 2021

No nonsense credit card. No fuss just a big plus!

Easy to access card details! Friendly wording and simple to keep track of spending! Reviewed on: 8th April 2021

Easy to apply & great supporting app.

Very easy to apply for & their app is brilliant too. Reviewed on: 8th April 2021

Happy

The help was there when needed with friendly staff Reviewed on: 8th April 2021

Superb

Great rates, payments are instant, app is easy to use. No expensive charges Reviewed on: 8th April 2021

Very Grateful

I was accepted for a credit card when I most needed one to repair and improve my credit rating. I believe everyone deserve a second chance and Zopa has given me that opportunity. Reviewed on: 7th April 2021

Simple, and easy

The app is clear and detailed, it makes it easy to manage your money. The chat feature is great, you start message like and email as in you can leave the app one you have started it and the app will let you know when they have responded, unlike email your not waiting hours, and unlike some chats you can get back to it when your free. Basically the service works around you, and for you. Reviewed on: 7th April 2021

Great easy powerful

Love this card and app unparalleled customer service Reviewed on: 7th April 2021

When I need a friend

Always there when I need some cash .a friend close by for emergency! Credit Reviewed on: 7th April 2021

Khaddouj123

The customer service very helpful, also it’s quite good that I get notice before the payment been taken from the bank Reviewed on: 7th April 2021

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