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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)

Clear & efficient

Payments are cleared immediately unlike other credit cards which can take a couple of days to process payment and update records Reviewed on: 18th March 2021

Good service

Good. But £300 on my credit file does not worth it. Reviewed on: 18th March 2021

Great customer service

Great customer service and very friendly staff Reviewed on: 18th March 2021

User friendly

Easy to use, notifications on spending Reviewed on: 18th March 2021

So far, perfect service and a great product

See above. Reviewed on: 18th March 2021

Zopa is amazing, wish I found you guys sooner.

Accepted with zopa for a credit card and car finance the other day, their customer service is off the charts. Amazing, well done guys you deserve to win this only had negative experiences with other providers. Reviewed on: 18th March 2021

Excellent service very pleased

Very good app looking forward to staying with Zopa Reviewed on: 18th March 2021

great easy to use service

easy to use service there when needed Reviewed on: 18th March 2021

Helpful

Supportive of you and your situation Reviewed on: 18th March 2021

Refreshingly competent

Of all the Credit Cards I have had and Credit Card companies I have dealt with, Zopa is the only one that stands out as being genuinely different...and far, far better. Their customer services department are excellent, the mobile banking app is straightforward and easy to navigate. and overall dealing with Zopa is refreshingly simple rather than complicated and frustrating as it is with all other financial service providers now days. I highly recommend Zopa. Reviewed on: 18th March 2021

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