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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

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4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th April 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43505)

Great service

Fantastic service , easy to use app Reviewed on: 21st February 2023

Responsible lender

Definetly a responsibly lender great customer service no issues Reviewed on: 21st February 2023

Very easy to use

Handy to have the card as a Wi-Fi payment everywhere. Reviewed on: 21st February 2023

Great app, easy to use

Great app, information clear and easy to understand Reviewed on: 21st February 2023

Excellent

I like this company Zopa and recommend everyone.It is very good company. Reviewed on: 21st February 2023

Easy to use and manage

Zopa is a very easy to manage credit card. Reviewed on: 21st February 2023

Easy and great credit card

Very satisfied with my first credit card! Reviewed on: 21st February 2023

Free foreign currency transactions and best exchange rates.

Being an Airline Pilot I travel a lot. Historically, using my debit or credit card abroad always incurred fees and charges. However, I then discovered Zopa - no more foreign currency exchange fees or extortionate rates. Also, online shopping on European or other currency websites is feasible as I can choose to pay in GBP or using their own currency. Highly recommended Zopa credit. Reviewed on: 21st February 2023

Very good

I’m pleased with the experience Reviewed on: 21st February 2023

Affordable and good credit builder

Affordable and good credit builder Reviewed on: 21st February 2023

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