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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)

Amazing credit card.

The card is so user friendly. Easy to make payments and friendly customer service. Would recommend anyone to acquire one anytime. Reviewed on: 18th March 2021

Fast and quick

Checks and acceptance super quick Reviewed on: 18th March 2021

Useful spend limit

I applied mainly to improve my credit rating and Zopa immediately gave me a very good spend limit. The card and pin turned up quickly in a plain envelope. The card itself is an interesting design in that the card number is not stamped, as most cards are. All numbers and digits are printed which ensures that the card is much more readable in bad light, and the card should last longer as the numbers remain more legible for the life of the card. I personally am impressed by this and hope that other card issuers follow this lead. Reviewed on: 18th March 2021

Yet to be beaten!

Good friendly and straightforward service Reviewed on: 18th March 2021

Amazing, fair and easy to use

This company has mastered the card and the app. The app is easy to use and navigate around. It shows you exactly what you need to see. When making a payment by debit card you do not have to wait 3-10 working days, it’s added to the card and straight away. This card gives you a choice of payments with no fuss. I would strongly recommend to others. No messing, straight forward, good rates and a cute card. Reviewed on: 18th March 2021

Easy to use

Quick efficent not complicated no silly fees & it does wot it says Reviewed on: 18th March 2021

Credit Card made simple

Instant transactions both ways. Frustrating when a credit card can process purchases instantly but takes days to add a repayment to your balance. This one is different, repayments are’s credited instantly so you know exactly where you stand. With a simple easy to use app that actually does what you want. Reviewed on: 18th March 2021

Great service

Great service and great communication Reviewed on: 18th March 2021

Simple and helpful

The most amazing part of Zopa is the speed in which it works. The fact that as soon as a payment is made it’s seen on your account. Simple but really nice. Reviewed on: 18th March 2021

Is perfect.I recomand to all my friends and my family

My experience was amayzing.Is very eady to use it and is perfect for everibody how need some help Reviewed on: 18th March 2021

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