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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)

Brilliant

Everything you want in a credit card and better . Fast accepting , low payments & easy online access Reviewed on: 7th April 2021

Great product

Perfect product and good rates. Ability to use when needed and all info on spending and improving my credit rating. Would recommend. Reviewed on: 7th April 2021

quick and easy

simple to use. smart interface. good comms Reviewed on: 7th April 2021

Excellence

A Great company, easy to work with, and will worth joining. Reviewed on: 7th April 2021

Quick and easy service

Always quick with processing payments, never had any problems with Zopa Reviewed on: 7th April 2021

Totally great service

Brilliant usage, fantastic app, perfect bill paying ( quick and efficient). Just a thoroughly nice and easy way to pay. Reviewed on: 7th April 2021

Zopa is so good

Zopa is so easy to use there app is great too and helpful Reviewed on: 7th April 2021

Excellent service

Easy to use with real time updates Reviewed on: 7th April 2021

Great

Found them easy to talk too and easy to do things online Reviewed on: 7th April 2021

Fantastic Lender

I have a few credit cards and I always say to my partner Zopa is my favourite and he laughs at me, but it really is. Although I have a lower credit limit with this card I use it often due to the ease of transactions, payments and low interest rates. I also find the app interesting and easy to use and monitor, love how my spending is categorised too (even though this can sometimes serve as a wake up call!) The card itself is bright so not easy to loose. Overall I rate Zopa really highly and look forward to continuing to use them. Reviewed on: 7th April 2021

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