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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

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4.86

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.

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)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

What's not to like?

I've been with Zopa since October 2022. The application process was super straightforward, the APR I was given was much lower than the representivave rate (usually works out the other way)... Getting to speak to someone is a doddle, the app works well 99% of the time and I really like the online security features when checking out, like having to select a recent transaction from a list. All in all, great company. Reviewed on: 11th April 2023

a very good company I recommend

Zopa is a very wonderful company, I have a credit card and I am very satisfied with them and their services Reviewed on: 11th April 2023

Credit limits

Ive tried to get an increase to credit with no success and wanted to do so as to improve my credit score to get a mortgage. Reviewed on: 11th April 2023

Really great helped me in every way

I was thinking I couldn’t get no card with credit score and then I got offered 400 card after paying all on time my credit card offered increased balance and since then I wasn’t facing no more financial issues I use only what I need without a struggle and the team is absolutely fab Reviewed on: 11th April 2023

Helpfull

Very easy to use app and easy to sign up. Reviewed on: 11th April 2023

Amazing provider!!!!

Amazing credit card provider. Never any hassle with anything you need. Always happy to review the credit limit but most of all they are super caring about their clients welfare. Affordability checks are thorough and decisions are well thought out! Thank you Zopa and keep up the amazing service you provide!!!!!!! Reviewed on: 11th April 2023

Good credit card

It’s good credit card very easy to use there app Reviewed on: 11th April 2023

Easy to use app

I use Zopa credit card and I have to say I'm extremely happy with the ease of use and reliability of the app. Its clear, quick and simple to use. Recommend! Reviewed on: 11th April 2023

Amazing!

Fantastic card, the app is easy to use and the payments are very manageable, all in all I’m very happy with mine :) Reviewed on: 11th April 2023

Easy to use

Zopa is very easy to use And they have very good credit card Reviewed on: 11th April 2023

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