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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)

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

Great Credit builder

Good and clear app, helpful for me to control spending and rebuild my credit Reviewed on: 24th January 2023

Good customer service

Easy to follow. There let you know when you have use your card and reminders when your payment is due Reviewed on: 24th January 2023

Dobry bank

Od razu dali mi kartę z limitem 500f rewelacja Reviewed on: 24th January 2023

Zopa credit card

I have poor credit and found it difficult to get a credit card but Zopa took me on board needless to say I am grateful that there was someone out there who gave me the opportunity to obtain credit. Many thanks Zopa Reviewed on: 23rd January 2023

Fantastic

Great company easy to deal with on line and just brilliant Reviewed on: 23rd January 2023

Great company

Great company always keep you well informed about your account always trying to help improve credit score A1 company Reviewed on: 23rd January 2023

Quick and efficient service

I have been looking to manage my finances better in the new year and this card has enabled me to make a good start to that plan Reviewed on: 23rd January 2023

Quick and easy

Couldn’t be easier to use. Everything you need on one app. They check your borrowing power and update you and will always try save you money. Great starter card Reviewed on: 23rd January 2023

Service

Brilliant service can't praise zopa high enough faultless Reviewed on: 23rd January 2023

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