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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)

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

Great communication with me.

They are very reliable, good staff with good customer service. Reviewed on: 21st February 2023

Zopa just works

Their service is great so easy to use with the app absolutely no complaints at all Reviewed on: 21st February 2023

Customer control

I especially like the features where you can set a buffer within your credit limit and personalise the contactless amount Reviewed on: 21st February 2023

Zopa is best credit card provider

Zopa was easy to set up and the app is easy to use. You can make payments anytime and it doesn't take long for it to show on your credit card balance. Allowing you use the money again if you need to. Reviewed on: 21st February 2023

Easy to use company

I have had a great experience to date. Reviewed on: 21st February 2023

Service and trust

An excellent company that keeps me up to date on a regular basis on the status of my account. Highly recommended. Reviewed on: 21st February 2023

Zopa Credit Card

Already mentioned to many friends. Great start card or in general. Easy mobile app and notifications to your device. Good to build or maintain if not start a credit history. Reviewed on: 21st February 2023

Helpful

Zopa have helped me build up my credit score and are always helpful and quick at getting back intouch Reviewed on: 21st February 2023

Very very good

Everything you could want from a bank Reviewed on: 21st February 2023

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