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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

Good company

Easy to deal with over the phone and online Reviewed on: 18th January 2023

Brilliant Service

Gives you the right product for your needs. Understands its customers and doesn't pressurise into unaffordable services. Great. Reviewed on: 18th January 2023

A good friendly company

Great app with lots of links to assist build your credit Reviewed on: 18th January 2023

Excellent company

Customer service is outstanding Always someone you can talk to No hidden agendas App is so easy to use and lots of helpful advice on there too Highly recommended If your looking to build your credit this is the company you should take a look at...outstanding Reviewed on: 18th January 2023

very happy with the credit card

quick application, quick decision, low interest rate, I definitely recommend it Reviewed on: 18th January 2023

Excellent

Great experience very easy to apply and the app is very easy to use Reviewed on: 18th January 2023

Excellent experience

Zopa is an easy to use credit card. I've had my card for a while now and the whole process, from applying to using etc, was so simple and easy to do. The app let's me track what I've spent and my credit limit. I'd recommend to anyone needing a simple credit card Reviewed on: 18th January 2023

Brilliant

Approved for a credit card and feel my account is monitored as it should be for increases and other credit available. Never had a problem Reviewed on: 18th January 2023

Great credit builder

They are a great responsible lender. Taking time to deal with any customer service query and setting goodimiys while allowing you to monitor your credit score Reviewed on: 18th January 2023

Very easy to keep a track of your account

App very good and easy to follow. Reviewed on: 18th January 2023

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