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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 best credit card

I've had so many credit cards with reputed other lenders but Zopa is the one card with open and honest approach. It keeps all details simple and clear to understand. Affordable interest rates for credit builders too. Reviewed on: 21st February 2023

Great service

A great card and any problems I have had fixed straight away and also my credit rating has went up since using the card. Reviewed on: 21st February 2023

The best credit card o havre used

Amazing credit card.helps me on fay to day spending Reviewed on: 21st February 2023

Helped when needed

Having been stung with an unexpected bill, zopa were able to help me quickly and get me.back ok track. App is also very easy to use. Reviewed on: 21st February 2023

Good customer services

Service is very good and no delays when applying for a credit card Reviewed on: 21st February 2023

Would reccomend

A refreshing alternative that feels a bit more friendly Reviewed on: 21st February 2023

Great

Great service top rated i would recommend Reviewed on: 21st February 2023

Great credit!

Stress free credit! The app makes things so easy! Reviewed on: 21st February 2023

Highly recommended

Great customer service. Good rates. Highly recommended. Reviewed on: 21st February 2023

Great company

Zopa are a really great! Very professional, very understanding and excellent customer care, especially during my time of ill health recently, thank you for being a compassionate bank. Reviewed on: 21st February 2023

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