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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)

Good

Satisfied, easy to use and helpful staff Reviewed on: 22nd February 2023

Great experience with Zopa!

I have had bad credit in the past but Zopa accepted me for a credit card, the app is very easy to use and when I have lost my card/pin in the past it has been really easy to sort out through the app. Reviewed on: 22nd February 2023

Mr

Just fantastic and helpful.They had trust in me to give me cridit when nobody els did. Reviewed on: 22nd February 2023

Simple straight forward credit

Zopa helped me with credit when I needed it. I know exactly what I need to pay and when I need to pay it by thanks to there straight forward APP. A great affordable card for people with not so great credit ratings. Reviewed on: 22nd February 2023

More than a credit card

I love the information and help for any circumstances you may face on the Zopa app , and help in improving your credit score. Extremely responsible lender . Reviewed on: 22nd February 2023

Awesome credit card

I got my credit card and I love it Reviewed on: 22nd February 2023

The savings account has a brilliant rate

The savings rate is excellent and the credit card will help you build your credit score which is what we all need Reviewed on: 22nd February 2023

Zopa is everything you could want in a credit card

Zopa has been the most efficient credit card to use. I love the customer service, communication, the design and overall the wide selection of other offers that zopa offer Reviewed on: 22nd February 2023

Stress Free

In times of rising costs of living and stresses that come with it, Zopa's application was easy and stress free. The process was fast and professional. I receive notifications on every spend and remaining balance which is so helpful. I find Zopa to be the best. Reviewed on: 22nd February 2023

With the people and for the people!!!

Excellent company almost like dealing with a friend love it!!! Reviewed on: 22nd February 2023

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