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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

Very good

It’s very good and I would recommend them Reviewed on: 19th January 2023

Great customer service

Always helped when I've needed to ask questions about my credit card Reviewed on: 19th January 2023

A company that trusts you beyond your credit number.

Zopa gave me a chance when most companies wouldn't give me a second look. They gave me a credit card with a low amount of credit, which is perfect for emergency purchases and by paying it off monthly my credit file is looking a little better every month. As well as the card I have access to savings, further finance and an app full of advice on improving the way companies view me. Really good company, forward thinking not backwards judging! Reviewed on: 19th January 2023

Top Marks

Easy app to use to keep on top of spending and credit availability Reviewed on: 19th January 2023

Very happy and easy to use

Very happy with them cards is easy to use Reviewed on: 19th January 2023

You can always rely on ZOPA in convenient conditions

Loan Zupa is very helpful for me in life, because in more difficult moments in life I can always rely on ZOPA with appreciation Reviewed on: 19th January 2023

Great

Great card Great service "……………. Reviewed on: 19th January 2023

Responsible lenders

Keeps you informed about how to improve your credit score Reviewed on: 19th January 2023

Excellent card

This card is brilliant and a great for emergency use. Reviewed on: 19th January 2023

Easy app to use

Easy app with notifications whenever you use it Reviewed on: 19th January 2023

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