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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)

Simple no hidden surprises

Most credit card companies very obviously try to trap you into going wrong with different rules etc , so they can charge you ..Zopa hasn’t done so far so good .. seems pretty simple , fingers crossed Reviewed on: 22nd February 2023

Great starter card with a great app

It was really easy to apply for this credit card and the Zopa app is easy to use and makes it easy to pay (on a schedule too) Reviewed on: 22nd February 2023

Great credit card to learn to manage your money

This has been the best card I have had. They have the tools so you can set your own limit and learn to manage your account. Reviewed on: 22nd February 2023

Easily accessible

This credit card is a life saviour.i had a financial crisis and this card saved me from getting worse.i cannot thank enough Reviewed on: 22nd February 2023

Brilliant credit card

Love the functionality in the app as so easy to use. Having the credit cushion is brilliant as you can control how much you spend making it as affordable to you as possible. Reviewed on: 22nd February 2023

Fantastic

They made the process very easy the staff are friendly to talk to when I need help or advice and I find their app really easy to use Reviewed on: 22nd February 2023

Great service

They are so easy to deal with, very smooth process and feels very secure. Would recommend to anyone. Reviewed on: 22nd February 2023

Very rare company

Very easy to use and very good service, and also good apr % Reviewed on: 22nd February 2023

Highly recommend

Easy to apply for and great company for customer service Reviewed on: 22nd February 2023

Not only a credit card

Helped me gain a better credit rating Reviewed on: 22nd February 2023

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