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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)

First class

The app works great, informative messages on what's been spent, I can't ask for more. Reviewed on: 21st February 2023

Best credit card I have ever had

My experience of the service I’ve received from this company has been outstanding, from completing my application onwards. The application was already pre approved for me, after a soft credit check and the offer was given to me, through a third party app that I have. The Zopa application took minutes and I received an immediate decision. The card then arrived shortly after and I was able to start using it. I was given a generous but not dangerous initial credit limit, which fitted perfectly with what I wanted the card for. I also love the mobile and tablet app that I use to manage this card. It is extremely user friendly and every purchase I make, shows immediately as a pending transaction, which helps a lot with my money management. I have another credit card where this does not happen. Zopa is the first company I would refer anyone to, who was looking for a credit card, especially if they wanted to improve their credit rating. I also think the spending tracker tool that’s included in the app is brilliant. Thanks Zopa! Reviewed on: 21st February 2023

Great service

Prepared to help people that have a poor credit history to get back on track Reviewed on: 21st February 2023

Pretty good!

Simple process to manage and apply… great app! Reviewed on: 21st February 2023

Top marks all round

This is the easiest credit card company I’ve ever used. Everything is so simple. Their app make it a breeze. Thank you. Reviewed on: 21st February 2023

Great credit card

Easy to manage with a great accompanying app Reviewed on: 21st February 2023

AMAZING

Always had issues getting a credit card, Zopa accepted me fast and very helpful!!! Reviewed on: 21st February 2023

Great control

Much more control with your Zopa credit card - Credit cushion is a fab idea Reviewed on: 21st February 2023

Best credit card

The best credit card i had so far . Very easy to understand it , its show everything u need . Reliable not high in interest. Reviewed on: 21st February 2023

Excellent service

Excellent service and less expensive than other credit cards Reviewed on: 21st February 2023

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