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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

5* Credit Co. Who does help.

Credit company who helps & doesn't pester you Reviewed on: 21st February 2023

Good credit card

Very good timely & respectful company Reviewed on: 21st February 2023

Excellent card

I have had this card for a little while now its Apr is reasonable for this type of card I love it Reviewed on: 21st February 2023

Great card and easy to use app!

The whole experience with Zopa has been great so far, the application is simple, the card and app are very easy to use and manage. Would highly recommend. Reviewed on: 21st February 2023

Easy to use

Zopa was my first credit card and it has been such an easy process. I was nervous about getting my first credit card but zopa made it straightforward and easy. The app is really easy to use and to make sure payments are going out every month. I also like you can set up a cushion amount - it’s very helpful. Reviewed on: 21st February 2023

Good communication

From the original application through to the daily running of the card things go so smoothly. Any changes to the terms re communicated swiftly and clearly. The app makes keeping on top of your card simple and straightforward. Reviewed on: 21st February 2023

Credit card

Easy and not a stressful application Reviewed on: 21st February 2023

Excellent

Very very good Reviewed on: 21st February 2023

Great credit card

Have had no problem using my card for different things Reviewed on: 21st February 2023

Great credit to get you started

I have been with Zopa for a year. I have never had any problems. Everything is done on the app. It is extremely user friendly and you get great advice on how to improve your credit rating. Reviewed on: 21st February 2023

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