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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)

Very easy to use and helpful in these hard times

I've never had a bad issue with them and quick response to any questions.or help I have needed. Which jas taken off.pressure. Reviewed on: 25th January 2023

Too good

Very easy to use . Soon as you pay your card r ready to use Reviewed on: 25th January 2023

Second chance

After spending the past 5 years in an IVA with no possibility of credit, Zopa we’re first to allow me a small credit card. A second chance to build my credit rating and get back on track. Reviewed on: 25th January 2023

Simple

It is very simple and hassle-free to get a credit card. Reviewed on: 24th January 2023

Excellent

I've a got a very dodgy credit file and zopa gave me a credit card. Its handy for my work as a self employed person. Also it will help build my credit up. Thanks Reviewed on: 24th January 2023

Overall good experience

Best better then other credit cards Reviewed on: 24th January 2023

Easy to manage

The credit card is easy to manage with a versatile app that allows you to control your spending. Reviewed on: 24th January 2023

Outstanding

Really helpful, great app simple and easy to use Reviewed on: 24th January 2023

Great company

Great company on hand to support your needs, good quality app does what it needs to , easy to make extra payments Reviewed on: 24th January 2023

Awesome credit card

Never any problems using this card and very easy to use and great to get txts reminding me when to pay it off Reviewed on: 24th January 2023

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