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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)

Helpful credit

Very easy to get a completed online application. With a manageable credit limit Reviewed on: 21st February 2023

Quick and very easy.

Applying for the credit card was supremely quick, easy and straightforward. The app is superb for keeping track of expenditure, repayments and charges. Am also able to track the loan I have with ZOPA too. Reviewed on: 21st February 2023

Great card helps.improve credit rating

No issues applied for card quick.eaay to set up direct debit and keeps up to date with alerts via email. Really impressed Reviewed on: 21st February 2023

Amazing

Zopa are by far the best credit company. They are understanding of their customers needs and always informative. Reviewed on: 21st February 2023

One of the Best Companies to Use

I was iffy about getting a credit card but knew I had to do something to build up my credit rating. After a little research and looking at reviews, I decided to try Zopa. From the very start, I've had the best experience and one of the best things about them is that they don't push you at all to up your credit or take out different products. Reviewed on: 21st February 2023

Easy to use system

I have had this card for a while I find it great and easy to use Reviewed on: 21st February 2023

Great app

Simple to set up, easy to manage. Good interest rates Reviewed on: 21st February 2023

Good app and insight

Really good options and customer service. User friendly app Reviewed on: 21st February 2023

great customer service and politeness is key

Called with a tech problem they sorted in 15mins they apologised. Great service. Also they keep me up to date with latest financial happenings re interest rates etc. I say well done team! Reviewed on: 21st February 2023

Excellent service and the App is so easy to use

Having done slot of app based banking this is definitely up there with the best. Reviewed on: 21st February 2023

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