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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)

Great fast service

Accepted quickly card sent prompt Reviewed on: 21st February 2023

No hassle

No hassle and a quick decision, the pre approved information is a great help Reviewed on: 21st February 2023

Great company

Great company and easy to use. Helped me out with short term loan when i moved house and was struggling Reviewed on: 21st February 2023

APR % increase too often

Have had a few emails stating the APR % is increasing. Only had the card a few months and a bit disappointed that the APR is increasing rather than staying the same. Very short time period for 3 increases over the last 4 months. Reviewed on: 21st February 2023

It's a 10 from me

Easy to use app. Reasonable rates considering credit score and a very friendly customer service team. Reviewed on: 21st February 2023

A second chance

After being refused elsewhere zopa gave me a second chance. I was silly as a youngster and didn't have any "money lessons" for life and abused my credit, but as I got older and independent the damage had already been done and I wanted to rebuild my credit and start a fresh an zopa gave me that chance so thank you very much! Reviewed on: 21st February 2023

Credit card made simple

I have had a very good experience so far with my zopa credit card. Easy to manage and very transparent. The phone app is very good also..... Reviewed on: 21st February 2023

Awesome company!

Zopa is an excellent company, so easy to deal with and manage. Reviewed on: 21st February 2023

Awesome company

The team ate very friendly and knowledgeable when contacted and the app is so easy to use as well, would definitely recommend. Reviewed on: 21st February 2023

Excellent

Excellent company very professional Reviewed on: 21st February 2023

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