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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

Lowest interest in a credit card

It was an easy process to apply for.you can pay the basic amount or an amount you want above the basic amount and the interest paid is lower than my other credit card Reviewed on: 21st February 2023

Easy to use card and app

Excellent card company and the app is so nice and simple, alerts when you need to be informed of something so you avoid extra charges, all in all a very good card and app 5 ⭐️ Reviewed on: 21st February 2023

Great company, easy the use website

Easy set up credit card with website, customer service great, no bad experiences all been 100% good. Would definitely recommend! Reviewed on: 21st February 2023

Can't find fault!

Really happy with the service, no problems. Reviewed on: 21st February 2023

Hassle free excellent service

Everything is going well - no issues with product Reviewed on: 21st February 2023

A new start

Hi. After several rejections for credit I came across Zopa. It was a simple application for which I was successful in my application. The APR is fair and the app is great. It has helped me build a better credit score and understand money better. I have looked after my account but they are not throwing increases in my credit limit but carefully monitoring my situation. Thanks Zopa Reviewed on: 21st February 2023

0% balance transfer

Was able to give me a good limit on 0% balance transfer when my credit score was not looking so good and help me take control of my finaces Reviewed on: 21st February 2023

Top Top

Very good. I got credit card and a car finance and everything is so smooth. Even recommended it to some friends and familu members already. Reviewed on: 21st February 2023

Excellent service

Zopa is a very understanding provider. Reviewed on: 21st February 2023

Straight forward

Easy to use UI on the app. Finding anything that I need answers for is very straightforward Reviewed on: 21st February 2023

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