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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)

An ideal card

This card let's you stay within your spending comfort zone, unlike some that give huge limits straight away and tends to lead ppl into over spending Reviewed on: 22nd February 2023

Perfect credit card

App is brilliant to use , very understanding and good for building credit score Reviewed on: 22nd February 2023

So easy to apply

Signing up was simple. The app is very easy to get your way around. The spending cushion limit is a good option too as it helps to prevent over spending over a specific time period if u know its going to be a tight month. I also like the budgeting and help tips regarding your credit rating. Will definitely recommend to anyone. Reviewed on: 22nd February 2023

Very good

Easy peasey great people great start up pay on time increase time with credit increase Reviewed on: 22nd February 2023

Amazing company

Ever since I’ve joined this company they have helped build my credit rating. Reviewed on: 22nd February 2023

Thank you so much

I’m so happy with Zopa thank you for great costumer service Reviewed on: 22nd February 2023

Excellent

Very happy with easy to use app and excellent customer service. Reviewed on: 22nd February 2023

Mr

Excellent service and easy process Reviewed on: 22nd February 2023

It's easy to deal with

Never had to stress about using this service. Very easy to use Reviewed on: 22nd February 2023

Quick easy and no complications

Very easy app makes all the difference compared to other credit cards. Very easy to navigate/ stay alert when payments are due and seconds to make a purchase or a payment. Reviewed on: 22nd February 2023

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