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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.

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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)

Zopa is the best card ever

I use easy about the shopping ATM CONTACTLESS PAYMENT. Reviewed on: 5th March 2023

Quick, simple and fair.

I was really impressed by the quick initial assessment process and the simplicity and clarity of the whole procedure, not jargonistic and much more layman terms. The mobile app is all very user friendly and a fantastic interface. The credit limit is fair and unlike other credit cards for the sub prime cohort, Zopa don't throw money at you as soon as you clear your credit Reviewed on: 5th March 2023

honest

zopa keeps me honest , when other credit companies are throwing offers at me zopa hasent it made me work for it , check my balances regulary, keep on top every month, then and only then do they offer you something, that is what someone like me needs Reviewed on: 4th March 2023

Service

Great customer service I really like it Reviewed on: 4th March 2023

Customer service

Always there to help on the phone Reviewed on: 4th March 2023

Perfect Card with Realistic Limit

Don't give an extortionate credit limit to start off. Manageable expectations Reviewed on: 4th March 2023

Great service

Zooa offer great service for customers with easy to manage app that allows you to keep track of your spending easily Reviewed on: 4th March 2023

Card

Very easy to use inline app account come in handy low interet Reviewed on: 4th March 2023

Amazing

So easy to sign up and manage my account Reviewed on: 3rd March 2023

Straight forward no nonsense

Easy to apply & answered straight away Reviewed on: 3rd March 2023

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