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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

Friendly creditors

Very easy to apply and use and you updated about your limits Reviewed on: 24th January 2023

A Smart and User-Friendly Card!

Just got this new card from Zopa; the experience is amazing! The features suit my lifestyle. I hope to keep enjoying my card and would confidently recommend their services to friends and family! Anderline-Gold Reviewed on: 24th January 2023

I Love Zopa

Zopa is absolutely brilliant. The card is very easy to use. The App was so simple to set up. It is safe because you receive a safety code before you can use it for your first purchase. Reviewed on: 24th January 2023

I'm happy

Experience is very good Reviewed on: 24th January 2023

Good credit card

Offer better for your financial support Reviewed on: 24th January 2023

Great Experience

Zopa has really helped me build my credit score since I joined them. Reviewed on: 24th January 2023

Brilliant

Their sevices are briliant very very pleased Reviewed on: 24th January 2023

Really great and useful

They don’t bug you they notify when stuff needs to be done it’s all well planned out and very good customer service all round great company to use Reviewed on: 24th January 2023

Easy Access Good APR

I like the most is the savings pot… Zopa is giving a. Good interest per annum for their savings pot…! Reviewed on: 24th January 2023

Terrific service!

Trying to build my credit score and Zopa helped greatly! They offered me a card with a generous limit and a reasonable APR. When I reached the point where I was able to find something even better, having greatly improved my score, it was so simple and easy to pay up and close the card, no hidden fees or hoops to jump through, and processed very quickly indeed! Thank you! Reviewed on: 24th January 2023

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