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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)

Easy to apply - good information to maintain

Easy to apply for, great online app providing all the information required to keep up to date with spending, balance etc. Was also easy to get credit limit raised after maintaining monthly repayments Reviewed on: 23rd January 2023

Fuss-free credit without marketing

Zopa gave me a chance when my credit score was a bit low and allowed me to get up to 999 again Reviewed on: 23rd January 2023

Easy to apply and less paper work

Respond quickly and fast, update statements on time and app is not difficult to use Reviewed on: 23rd January 2023

Best starter card ever

The Zopa app and credit team are phenomenal. Fast transactions, understanding team. Brilliant. Reviewed on: 23rd January 2023

good

Great easy to use. loving the balance transfer facility Reviewed on: 23rd January 2023

Best card to build the credit

This is really good to build the credit and really good interring rates. Also all staff are really helpful Reviewed on: 23rd January 2023

Brilliant

Did me lots of help when I needed it Reviewed on: 23rd January 2023

Zopa Credit Card

Great card to have backed up with excellent customer service Reviewed on: 23rd January 2023

Credit card

Best credit card around good overall credit limits and easy payments Reviewed on: 23rd January 2023

They took a chance

Zopa took a chance on me as I have bad history, they have given me the opportunity to show I can manage a credit card and deal with my debts, for this I am very grateful. They give a nice small and manageable limit and don’t keep upping it after each payment helping me control my spend, I highly recommend them regardless of credit history if you are trying to make things right. Reviewed on: 23rd January 2023

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