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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)

Easy to use

No fees and easy to use with no stress Reviewed on: 21st February 2023

Good company good rates

Zopa are great and give you a manageable credit limit and the Apr isn't too high either good company Reviewed on: 21st February 2023

to give people a fresh start

They are great at communication and help with giving people a great fresh start on poor credit Reviewed on: 21st February 2023

Amazing card

No trouble at all very good service and very pleased Reviewed on: 21st February 2023

Best company

I havnt been long with zopa and I have enjoyed using the credit card of how easy its is. My payments go straight threw easy to get in contact with customer service I give 10/10 of how good it has been one of the customers Reviewed on: 21st February 2023

Great for repairing credit and managing spending

The option to choose how much of your limit you want to spend and how easy it is to set it up stands this card out from the rest. Everything is easily available through the app and are supportive if you need financial assistance. Would recommend to anyone. Reviewed on: 21st February 2023

Mrs

Great experience , I happy to app Reviewed on: 21st February 2023

Great! Supporting Company!

Great credit card with great app. It helps with nice clear way to keep on truck with the finances. Great customer service. Reviewed on: 21st February 2023

So easy to set up and use.

Initially I was a bit disappointed with my credit limit but having had the card for a while now I’ve realised it’s the perfect amount for me. The whole application process and set up was so easy and quick. Really happy with my card! Reviewed on: 21st February 2023

Excellent product

Keeps credit under control and encourages good financial planning Reviewed on: 21st February 2023

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