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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)

Great service and convenient app

Helped me through tough times and easy app to use Reviewed on: 22nd January 2023

Good credit card

Good credit card mostly good customer service Reviewed on: 22nd January 2023

Credit card

Really good company I’ve been paying minimum amounts and reduced my debt really fast Reviewed on: 22nd January 2023

I love Zopa 1million percent!

If I pay off my card it’s reflected in my balance instantly. My other cards take days (business days) to show payments. The fees are low too and I love my card. Reviewed on: 22nd January 2023

Great credit builder

Can’t deny the card is a brilliant card for building credit. The app is super simple and easy to use with everything so clear. Never had an issue and found everything so simple . Easy to talk to staff too! Reviewed on: 22nd January 2023

Great

Easy to use. Very safe to use with multiple protection and good customer service. Reviewed on: 22nd January 2023

Decent credit card provider

Decent credit card provider with good controls Reviewed on: 22nd January 2023

Simple sign up and easy to use App.

I have nothing bad to say about Zopa. Very happy with my credit card. see at a glance on the app when your next payment is due and manage your account in a few clicks. Great!!! Reviewed on: 22nd January 2023

Excellent

Easy to apply and sensible lending Reviewed on: 22nd January 2023

Very easy to use

Love my card. Payments show instantly and very clear Reviewed on: 22nd January 2023

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