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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)

Easy, modern and convenient

The first credit card I have where I felt in control. From the initial sign up process to using the card and managing everything through the app. It’s easy, feels modern and I love how any payments I make are instantly updated on my account Reviewed on: 15th February 2021

Easy

Nice change when payments are shown immediately. Good app and helpful, quick team. Refreshing change Reviewed on: 15th February 2021

Thanx

There service is great & there app is so easy to get round not been with them long but what I’ve seen so far is great... keep up the good work Reviewed on: 15th February 2021

Amazing!

The best credit card I own! Customer service is always available and are always at hand whenever I have any queries. No huge withdrawal fee is always a plus! Reviewed on: 15th February 2021

Great card

Fantastic facility , never a problem, keeping you updated all the time Reviewed on: 15th February 2021

EXCELLENT BANK

Never had a bad experience with Zopa,always been a excellent bank to bank with Reviewed on: 15th February 2021

Great service

Ease of application and notification when you spend anywhere Reviewed on: 15th February 2021

Cracking card

Zopa card was simple an easy to apply for can’t knock it Reviewed on: 15th February 2021

Amazing customer service

Always clear how much you use and I like the fact as soon as you make a payment it comes off the balance, not like a lot of them that takes 2 days. Reviewed on: 15th February 2021

Quick and easy approval but comes at high cost

I had applied and received a few short term personal loans which I couldn’t get easily from any other traditional bank. The only biggest drawback is that the cost is too high and that they need to be repaid ASAP if you want to pay as little as possible. Reviewed on: 15th February 2021

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