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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

So helpful

I have no bad words for zopa. Using their credit card for many years now and alongside the app I have always been extremely grateful. The fact that payments made show up the same day is fantastic and unheard of with other credits cards. Thank you zopa for making my life that much easier to financially handle. Reviewed on: 11th April 2023

Amazing!

Helped build up my terrible credit score without all the hassle and constant calls like most other providers! Reviewed on: 11th April 2023

Amazing service

Never had any problems at all always been amazing service Reviewed on: 11th April 2023

Everything you could ask for

No hidden fees, great customer service and just an all round great company. Reviewed on: 11th April 2023

Customer friendly experience

As a way to rebuild your credit score, with a top notch easy to use app I really recommend Zopa. Communication is clear and concise so you know exactly where you stand at all times. Sensible limits are offers so you don't over spend and overall I have had a great experience in an otherwise complicated area of finance. Highly recommended. Reviewed on: 11th April 2023

Loan Shark

Way too high interest rates Poor App Poor Service Rubbish Limits Overall thrash Reviewed on: 11th April 2023

Amazing always looks after me

Amazing company gave me the best option at the time for my credit card and the best thing is they don't call you pushing products all the time. Reviewed on: 11th April 2023

Excellent service

Very good credit card terms. Have had this card for 2 years and I’m enjoying the benefits of having it. Reviewed on: 11th April 2023

Excellent Service and App

I have been using Zopa Credit Card long time and this is a life saver absolutely, and also it did speed up my credit score grows fast! Thanks Zopa! I’ll be using car finance from Zopa soon too! Reviewed on: 11th April 2023

Fantastic !!

Absolutely brilliant, the app is so easy to navigate. Customer service is great also. Good range of products loans, credit cards etc.. Brilliant Reviewed on: 11th April 2023

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