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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)

Easy to talk to and helpful

Everything is easy to sort out everything is there you can talk online without phoning Reviewed on: 22nd February 2023

Quick easy extremely helpful

Excellent flexibility and any payments made are instantly added to your balance. Reviewed on: 22nd February 2023

Real people in the real world

Fantastic company with an understanding of the way life has its ups and downs when I fell out of work briefly and missed a repayment they listened and waited patiently for me to repay and once I had my card was unblocked and there to rely on if needed recommended to anyone and everyone. Reviewed on: 22nd February 2023

I recommend Zopa

Great card! It works perfectly, I'm very happy Reviewed on: 22nd February 2023

Does what it says on the time

You get to know your charges and plan ahead Reviewed on: 22nd February 2023

Good credit builder

Excellent card to have as a safety net Reviewed on: 22nd February 2023

Very good

Nice experience,good product,good offer Reviewed on: 22nd February 2023

Excellent

Helpful friendly staff easy to use app Reviewed on: 22nd February 2023

Good company

Approved me a credit card when nobody else would and since helped me better my credit score and help me get a mortgage Reviewed on: 22nd February 2023

Easy application

It helps a lot especially when i was very broke. I used my zopa card to buy foodstuffs in the house for myself and my kids. Reviewed on: 22nd February 2023

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