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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)

Excellent service

It was easy to sign up for and has been a great help. They provide a lot of financial support and the app is fantastic! Reviewed on: 16th February 2021

Excellent service and SIMPLE!

I've been a customer with Zopa for some time now and moved over to using their credit card when they were still testing out their service, even in the testing phase their service is miles apart from other banks I have used. Their customer platform is super simple, information is clear and no hidden charges! I would highly recommend Zopa to anyone Reviewed on: 16th February 2021

Disappointing

Very low credit limit. Maybe it will change in time. I always pay my credit card off in full. Maybe that's the problem? It's stepping stone to a better financial future Reviewed on: 16th February 2021

Good

For me, your credit card was more useful in this difficult time Reviewed on: 16th February 2021

Great bank

Zopa are great in all aspects you expect from a bank,brialliant customer service ,rapid responses ,deal with any query I need and have helped me massively with working with me and help bring up my credit ,10/10 Reviewed on: 16th February 2021

Easy to use Card

Easy to run by email / app / like the messages when you spend anywhere - Keeps you upto date on available credit! Reviewed on: 16th February 2021

Excellent

Brilliant service the app is so easy to use would definitely recommend Reviewed on: 16th February 2021

Zopa review

Helped me out when needed it thank you Reviewed on: 16th February 2021

Helpful card to improve credit score

Been trying to repair my credit score. Zopa offer fantastic tools to help keep track on spending and stay within limits Reviewed on: 16th February 2021

Great company

Great company, easy to apply and the most important i received quick response if my applicarion was approved. Reviewed on: 16th February 2021

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