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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

Great

Great and simple, no much stress Reviewed on: 21st February 2023

Excellent exactly what I needed

Love having my Zopa card so simple to use with its card app , it’s well thought out and easy to manage . Reviewed on: 21st February 2023

Simple, easy and helpful

I found since joining Zopa, they have been very helpful. Everything is easy to understand and nicely laid out. Application is very user friendly also. Reviewed on: 21st February 2023

Brilliant

Always helpful. Easy to use App. Reviewed on: 21st February 2023

Good rates

Very good service from these guys glad compared to others I've got a card Reviewed on: 21st February 2023

Miss

Best card esy use perfect working Reviewed on: 21st February 2023

Great affordable credit

They always lend what I can afford and their customer service is great. I also love I can create a credit cushion Reviewed on: 21st February 2023

Easy to use and great for building credit

Zopa is more than just a credit card, it's a credit management tool. It features access to your borrowing power (how lenders see your ability to borrow and repay finance), and also access to other financial products that may be useful to you. The feature of being able to add and set a 'buffer' to your account, meaning that although your credit limit may be £1000, you can only spend what you think you can afford to repay, or what you want to owe. A great way to manage your own finances, from a responsible lender! Reviewed on: 21st February 2023

Extra without the stress

This site was so easy to use and a quick response. The rates were low and have given that bit extra for the rainy days without the stress!! Reviewed on: 21st February 2023

Easy to use credit card

I've been with Zopa for about a year. Their product plus app is so simple and easy to use. They send emails and notifications online. They remind you when your payment is due. So you don't have to keep checking. You can use it with Google pay so don't even need to use the card. You and set up a credit cushion to stop you going too far into your credit (you can adjust it whenever you need to). They will only increase your credit if they feel you can afford it Reviewed on: 21st February 2023

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