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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)

Absolutely perfect for what I need

Every time I needed to pay for something it was so easy Reviewed on: 7th April 2021

Glad to have zopa

Really useful and great interest rates .glad to have zopa . Best credit card. Reviewed on: 7th April 2021

Forward thinking bank

The app works really well and is easy to use Reviewed on: 7th April 2021

Not used card as yet..no pin number

Awaiting for pin still................. Reviewed on: 7th April 2021

Good credit limit offered excellent card

Good credit limit offered excellent card Reviewed on: 7th April 2021

Credit made eaZy

I'm so pleased with the service Zopa provides through their extremely sleek & user-friendly app. Payment reminder alerts and built-in credit score tracking are my 2 favourite features. It's so handy to have all your credit factors at your disposal built right into your banking app, and has been tremendously helpful getting me back on track financially. Can't recommend highly enough! Reviewed on: 7th April 2021

Great service for my situation

Zopa acknowledged that my credit wasn’t great, but was improving. My current situation was more important rather than my previous mistakes Reviewed on: 7th April 2021

Easy to use service

Great app and functions. Easy to navigate round. Reviewed on: 7th April 2021

User friendly, on the ball and efficient

Apps seem to be so clunky these days and companies hard to communicate with - not these guys! Always available and app is super easy to use. Great work Reviewed on: 7th April 2021

Good card and app

Good card and app, easy to use and payments are shown quickly. Reviewed on: 7th April 2021

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