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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

Great provider

Has helped when it’s needed so thank you , great app too. Reviewed on: 11th April 2023

Take you on when no one else will

I've been suffering with my finances over the years. Now in straight in left with a really poor credit score. I tried with various different companies to get a credit builder card with no success. Zopa did take me on though, with easy application, plus quick delivery of card. Reviewed on: 11th April 2023

Excellent service

Application for this card was so quick and easy! App is simple to use, with great APR rates too Reviewed on: 11th April 2023

Simple and clear

I am currently using the mobile app for the credit card. It's extremely easy and what's more important clear to use. I have not had any problems so far so would definitely recommend Zopa credit card to anyone Reviewed on: 11th April 2023

Easy and Clear

When everything is so difficult and confusing regarding cards these days, hidden fees etc but this was so easy to use, clear and friendly service wise. Reviewed on: 11th April 2023

Great service

Great customer service and great app layout Reviewed on: 11th April 2023

Zopa are the best

My experience with Zopa has been amazing! Very great credit card company Reviewed on: 11th April 2023

Friendly App

Customer service is one of the best I have experienced and the App is so friendly Reviewed on: 11th April 2023

New start

After a terrible time of my life in awful debt I have steadily on my own repaid and sorted it by myself Zopa gave me a credit card which has helped me so much and will always be grateful Reviewed on: 11th April 2023

Amazing

So easy to use & I’ve never had an issue or problem with Zopa!! They’re a great company to use!!! Reviewed on: 11th April 2023

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