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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)

Fab u los

So very easy to use. Questions answered promptly. All round good experience. Reviewed on: 17th March 2021

Great card company

Offered first class service from zupo, would definitely recommend to anyone looking for a credit card. Reviewed on: 17th March 2021

Best card

This is the best credit card I've had. The app is so easy to navigate and customer care is excellent. Reviewed on: 17th March 2021

An effective and hassle free product

As soon as you make a payment your balance updates immediately unlike many other credit card products, making it truly flexible and me more likely to pay off my balance immediately to have the credit available. I really appreciate the breakdown of spending on the app to show where it’s all going e.g grocery, petrol etc too. Five stars from me. My favourite credit card Reviewed on: 17th March 2021

Fantastic Card

Easy to apply. Great app to manage spending. Updates immediately enabling you to keep track and pay. Highly recommended.. Reviewed on: 17th March 2021

New member

Excellent service and easy to use Web site Reviewed on: 17th March 2021

Perfect

Perfect for what I need. Easy to understand and manage Reviewed on: 17th March 2021

Easy to use.

Great service, easy to use and very helpful that I get updates via to my phone every time I spend on my card. Reviewed on: 17th March 2021

Absolutely brilliant

The card and the app is absolutely brilliant customer service is great too I would recommend zopa to everyone Reviewed on: 17th March 2021

Zopa - Perfect!

After exploring the options for a credit card to re-build my credit rating, Zopa came out top and was so easy to apply. Once accepted the process was simple, and the online account management is very simple to use... perfect! Reviewed on: 17th March 2021

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