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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

zopa credit card

zopa is nice for people and zopa helping people out standing Reviewed on: 1st February 2023

Very helpful and easy service

Zopa was my first credit card and it was indeed a helpful to build my credit score Reviewed on: 31st January 2023

Perfect

Great app, helps you stay in control of your spending and payments credited to your account immediately. Reviewed on: 31st January 2023

Excellent service

Highly accessible and easy use. Great in keeping things simple. Reviewed on: 31st January 2023

No fuss. Old style.

Easy to apply for their card, quick decision, no waiting for it’s arrival. The App is the most user friendly around; does what you want, when you want. Clear and simple balance, and in a font that easy to read. Reviewed on: 30th January 2023

Great service

This card is a comparatively cheap and flexible way to borrow money. Applicants with low credit scores are unlikely to be eligible. Reviewed on: 30th January 2023

Service

Excellent and very proffesional staff. Good website and call centre controllers very good knowledge polite and helpfull. Reviewed on: 30th January 2023

Credit card

Very happy with zopa never had any problems Reviewed on: 30th January 2023

Quite easy to apply

One if the few cards that was readily accessible without having to meet an abundance of criteria. Reviewed on: 30th January 2023

Good value product

Easy access and user friendly. Polite and ready answers from the team Reviewed on: 30th January 2023

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