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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)

The best credit card available

I feel that this is the best credit card because unlike the others when I make a payment it instantly is reflected in my account making funds available again most cards you have to wait 2 - 3 days . Reviewed on: 7th April 2021

My Zopa experience.

I have found that using Zopa is as simple as using any other card, while it also allows you to make your credit rating better which is the reason l went to Zopa in the first place. If you wish to have a credit card that doesn't hide a thing then apply for a Zopa credit card and build your life up to a better place...... Reviewed on: 7th April 2021

Simple, easy and as promised

I have only been using this product for a few months but so far it is so easy to set up and use. Reviewed on: 7th April 2021

It is so easy to use and keep track of and very responsible with the limit you can control !

Absolutely love how it informs you of spending and limits you can place for yourself within the app. Reviewed on: 7th April 2021

Excellent service

Works perfectly, money goes straight into the card once you repay it and excellent customer service Reviewed on: 7th April 2021

top marks .

very help full staff no problems understanding my needs . Reviewed on: 7th April 2021

Unfavourable outcome

I have a Zopa credit and have since been waiting for an increased limit but never have one. You cant request on the app either. Interestingly they operate like a bank. Reviewed on: 7th April 2021

Great card

Easy to use and easy app access to keep On top of your finances Reviewed on: 7th April 2021

Zopa are new and learning

I think if zopa credit card run a few like customer surveys for what we want they would get the service to be the best. Now it’s just under performing but it’s still better then other providers Reviewed on: 7th April 2021

Great app

When I pay money towards my credit card it shows instantly on my balance. Not 2 working days like other credit card companies Reviewed on: 7th April 2021

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