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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)

The One of UK

When I was stuck with many payments. I just applied to Zopa; then their financial inspectors check that I am trustful but stuck at the moment, same day my card on app being activated. They save my life. Thanks Zopa Reviewed on: 21st February 2023

Excellent product

Easy to deal with. Simple application, usage and payments. Apple Pay compatible and very convenient Reviewed on: 21st February 2023

Credit management

Very well to manage, easy to manage with the app Reviewed on: 21st February 2023

Perfect card

Found this card easy to use and I can access anything I need. Helped my credit score too Reviewed on: 21st February 2023

Low interest and very reliable

I easily applied for credit card and with the low interest... really helps a lot Reviewed on: 21st February 2023

Great card, great company.

Fair and well managed company helping people in need. Reviewed on: 21st February 2023

Outstanding customer services

I was looking for a way to improve my credit score as I didn't take credit out so it looked like I wasn't credit worthy, I discovered zopa, they helped me to do this by offering me a lower amount which I was happy with, and I used the card wisely and payed back what I used each month, over a period of time this increased my score and my credit limit was extended to a higher amount, still using my card wisely and paying back each month. The customer service team are very helpful and explained how a cred card should be used, I haven't had any problems with them and would recommend, if you are wanted to strengthen your credit score speak to Zopa. Reviewed on: 21st February 2023

Great services

They are helpful and sufficient. I recommend Reviewed on: 21st February 2023

Great credit card! Super easy to use

From start to finish it was great! Reviewed on: 21st February 2023

No hassle

Best card company I've used hassle free no drama Reviewed on: 21st February 2023

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