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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

I use my credit card for emergencies only

I am 77 years old and when I got my credit card I was very pleased. As I haven’t got much money is the cost of living things are getting quite expensive. I had the credit card for £500 and I only use it in emergencies when I’m short to pay for my guess my electric my food. And when I do get my pension to come in, I normally clear up the whole balance if possible I would like to thank you for my credit card as it has got me out of trouble sometimes I wish it was more than £500 , thank you Reviewed on: 21st February 2023

Overall experience

I am truly happy with the service I have received from Zopa. From their customer service to their features on the app. Absolutely fantastic! Reviewed on: 21st February 2023

Excellent

Always ready to help and advise their customers Reviewed on: 21st February 2023

Amazing Company

My credit rating is not the best, however ZOPA gave me the benefit of the doubt and provided me with a credit card and just the right amount of credit to help build my rating. The whole process was simple, easy and quick, if anyone is looking for a credit card I highly recommend ZOPA. Reviewed on: 21st February 2023

Easy and simple to use

This card is easy and simple to help me build my credit score after a time when I struggled to keep control. It gives me hope that I can help change and there is companies out there to help fix a problem Reviewed on: 21st February 2023

Great product

Have had good service from zopa both in the UK and abroad Reviewed on: 21st February 2023

Makes life easy

This card is very easy to use and uncomplicated. I like how when you make a payment against your credit card the money is credited straight away and you don't have to wait days. The app is very easy to use which I like too. Reviewed on: 21st February 2023

Excellent service

Would highly recommend to family and friends Reviewed on: 21st February 2023

Very happy

App super easy to manage even for someone like me who's not very good with technology Reviewed on: 21st February 2023

Easy and fair

I was accepted for a Zopa credit card after I'd destroyed my credit at a young age and was on the mend to build it back up again. After being declined by so many other credit card companies, Zopa offered me a low limit credit card to help me rebuild my credit sensibly. The customer services team are very friendly and are easily available for any queries and questions. The app is easy to use and very well set put. I would definitely recommend Zopa. Reviewed on: 21st February 2023

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