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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

My first credit card in the UK

Moved to the UK since 2018. Having a credit card was never a problem since I was 18 but I found it so difficult to apply one here. Zopa gave me my first credit card in this country. Without Zopa, I could never build up my credit score at all although I always have a permanent job. Reviewed on: 20th January 2023

Responsible lender

V happy with service, start to finish, customer service and responsibility of lending. App is excellent. No complaints. Well done Zopa Reviewed on: 20th January 2023

Helps me

Help me build my credit score, easy to use application Reviewed on: 20th January 2023

Bad experience be aware who you dealing with

Never increased the credit limit from 300gbp it’s been more then a year and I have very good credit score although they asked for a loan which was pre-approved but they just didn’t lend me and couldn’t give me any satisfactory answer they said their system errors if I want I can reapply so they will do another hard credit search which not good for my credit score also I can’t apply anywhere else as I already had a hard credit search whether I got my loan or not it damaged my score . Reviewed on: 20th January 2023

Very simple you spend you pay

Sometimes when you try contactless it doesn't work and you have to go to pin . Disappointed that after being with them a year and clearing my balance in full every month by direct debit they won't increase my credit limit I find that frustrating Reviewed on: 20th January 2023

App is so easy to understand and use

Fantastic app very easy to manage payments and keep track of your account Reviewed on: 20th January 2023

Great product

I'm very happy with the card. The application process was very easy and efficient. Recommended. Reviewed on: 20th January 2023

Zopa credit card

Brilliant service, it was so asy to do and the service I received as first class. Would highly recommend. Reviewed on: 20th January 2023

Mega card

Great card to use just tap and go very easy and quick I use mine alot Reviewed on: 20th January 2023

Easy access

Really easy access on app, great credit card and savings account Reviewed on: 20th January 2023

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