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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

Makes everything easy

Easy to use app, simple to use payment system, 10/10 Reviewed on: 3rd February 2023

Excellent service

A credit card that rewards your hard work on paying on time. And that helps you through your credit journey. I've had a capital one card for over a year now at £200 credit paid on time used it alot still at £200 . Zopa so much better. Reviewed on: 3rd February 2023

Unbeatable Service

Excellent all round service. Zopa is simply super ! Reviewed on: 3rd February 2023

Easy to manage, good credit limit

Very easy to apply, lots of options in one app including top savings accounts and personal loan services. Reviewed on: 3rd February 2023

Fast Service, Super App

Zopa has a fantastic app to help you keep in touch with your spending plus with instant payments being credited to your account your soon be back in credit in a efficient manner. Reviewed on: 3rd February 2023

Great card and features

Easy to navigate. Easy to pay online. Fantastic card Reviewed on: 3rd February 2023

Zopa

Easy process from start to finish. No hidden fees. Easy app to use Reviewed on: 3rd February 2023

Help with Lifes' Emergencies

ZOPA are great. I was able to get a credit card with them which I thought would be handy in case of any wee emergencies. It doesn't have a huge amount of credit, just enough to provide a wee cushion. It certainly came in handy! Thankfully, I was able to use it and clear the outstanding balance as soon as I was able. They have been great, responsible providers of credit and I recommend them to anyone. Reviewed on: 3rd February 2023

Good Credit Card

Easy to use app Easy to connect to customer service Reviewed on: 3rd February 2023

Very fair and easy to work with

Zopa is the perfect Bank for all your needs . They will help you every step of the way and customer service is second to none always there weather by phone on line or by the app always there explaining how you are doing . Reviewed on: 2nd February 2023

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