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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)

Thank you for helping me through the difficulties time

You are amazing company. I never struggled since I am with you. Reviewed on: 21st February 2023

Credit card without the hassle

Been using my card now for over 6 months and very happy with the service and very good rates keep it up zopa Reviewed on: 21st February 2023

Excellent product and service

Easy to manage within the app - excellent product and service Reviewed on: 21st February 2023

Great customer service

from the start Zopa have always been approachable and emphatic when providing their service. I would recommend them to family and friends. Reviewed on: 21st February 2023

Re-builds credit

I applied to Zopa for a credit card so I could rebuild my credit history and score. The application process from start to finish was clear and easy. What I like best about Zopa is that they give you a low credit limit to let you get used to using a credit card and also so you as well as the Zopa team can see how you are managing the account and payments. Once they see you are doing ok, any credit limit increase is manageable and not one that is too big or overwhelming to deal with. I have found dealing with Zopa very easy and the staff are knowledgable, patient and helpful. I recommended Zopa to my eldest daughter and she has found her experiience to be similar to mine. I would highly recommend Zopa to anyone looking for a first credit card or to improve their credit history. Reviewed on: 21st February 2023

Excellent company

Excellent company, nothing hidden from a consumer and excellent customer service Reviewed on: 21st February 2023

My zoopa credit card

My card is always been my life saver and it also gives me enough time to pay my monthly due as I was able to change my due date at one point. Reviewed on: 21st February 2023

Outstanding card offer

Quick easy application. Extremely straightforward and quick delivery. A real incentive to get back on top of your finances and improve the quality of life. Reviewed on: 21st February 2023

Fantastic company and services

Provided easy access for a credit card, reminds you of your monthly payment and couldn’t be more helpful Reviewed on: 21st February 2023

Great Card low cost

Absolutely brilliant card to have with very low interest while also helping to improve your credit score. Definitely recommend for anyone looking for a good credit card with good rates. Reviewed on: 21st February 2023

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