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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

Highly Recommended

Zopa offers various services, their application process is very streamlined and the app is excellent and quick if you want to make single payments or make any changes to your direct debit dates etc. I highly recommend Zopa to anyone looking for a hassle-free servce! Reviewed on: 21st February 2023

All round great credit card

When I wanted to build my credit score no credit cards would take me but Zopa has helped with that. Reviewed on: 21st February 2023

Absolutely amazing

I would and have recommended this company to so many people, they are absolutely amazing and affordable. They give you a good amount of credit that you can borrow with a small amount you have to pay back, I can recommend this company enough. Not only do they do credit cards but their app Is one of the best I've seen. They offer help with finances, help you find other credit cards and loans that you can be accepted for, I have no complaints about them, very helpful and great company!! Reviewed on: 21st February 2023

Simple yet effective

Always simple to use and answer any questions you have quickly Reviewed on: 21st February 2023

Helpful easy to use service and app

Great product, easy to apply for. Bast banking app I’ve used and helpful advice. Reviewed on: 21st February 2023

Great App

The best thing about Zopa is the clear and consice communication from them. You know exactly where you stand with the app. Reviewed on: 21st February 2023

Credit card review

Great customer service and easy to use app Reviewed on: 21st February 2023

Easy and Clear

At last a credit card, with an app that makes everything easy and everything clear. Hints, tips and offers on there and the Customer Service is also super helpful. Basically - credit card made simple! Reviewed on: 21st February 2023

Really easy to deal with.

I found the card and app easy to use, update and keep a check on costs etc Reviewed on: 21st February 2023

Amazing customer service

The app lets you know when days before you when you need to make a payment. The customer service is great Reviewed on: 21st February 2023

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