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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)

Best credit card I have would definitely recomand

Every thing about the app is super easy and tells you every thing you need to know about your account Reviewed on: 17th March 2021

So simple

Just a simple credit card, Great app easy to use Reviewed on: 17th March 2021

Mr Wood

Great customer service well worth applying Reviewed on: 17th March 2021

Simple and quick process

Very easy to apply and setup from start to finish Reviewed on: 17th March 2021

Customer Experience

Easy application process, user friendly and easy to navigate app, super efficient resolutions from customer service team. Friendly, down to earth service. Thank you! Reviewed on: 17th March 2021

Great credit card

Easy to use and nothing hidden, perfect for building your credit rating Reviewed on: 17th March 2021

Different to the usual

I'm really impressed with Zopa. They don't feel like the usual credit card company who are only concerned with charging interest, Zopa seem more concerned with making your credit score better. They send regular notifications telling you how your credit score is doing and how your borrowing power has changed. It's simple to use, simple to pay and easy to navigate. I'm very impressed Reviewed on: 17th March 2021

Professional service

Very good service with a professional attitude. Reviewed on: 17th March 2021

Helped me when no one else would

I messed up a few years ago and ruined my credit score. Took me a few years to clear a debt. I was looking for a credit card in order to repair my credit by using the card for a few expenses then paying off the balance in full every month. I'm probably not the kind of customer these guys want but thanks for giving me a chance Zopa. In regards to the card, the app is very good. I've had to contact their customer service team a couple of times being a relatively new customer and nothing but great. I would recommend this company! James Reviewed on: 17th March 2021

Reliable and informative

easy to read information at your fingertips! Everything you could need from an app and credit card! Reviewed on: 17th March 2021

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