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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)

Always there

Use my zopa for emergency and I am grateful for it Reviewed on: 21st February 2023

Great company to deal with

Responsible lender love the borrowing power score they look at your individual circumstances. Great app too. Reviewed on: 21st February 2023

Simply excellent

Love the credit cushion feature and the app is brilliant! Reviewed on: 21st February 2023

BASIC CREDIT CARD

Zopa is a basic no frills credit card. Everything updates quickly. Payments onto card are instant which helps. Lots of other aspects as well, like credit rating and loans. All in all I'd very much recommend this card. Reviewed on: 21st February 2023

Fantastic Company

I've found this company really easy to deal with, it's esay to make additional payments when you need to. Reviewed on: 21st February 2023

Great help

Easy to apply to Improved your credit rating Reviewed on: 21st February 2023

Great & simple to use

Great credit card to have, easy application process, handy app had no issues. Reviewed on: 21st February 2023

Best company

Really quick to get accepted Good contact No concerns Highly recommend Reviewed on: 21st February 2023

Highly recomended

Very easy to use, and very good service Reviewed on: 21st February 2023

Excellent service

My experience was awesome especially the customer service team and the way they put words together to give excellent service Reviewed on: 21st February 2023

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