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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

Reliable

I was given credit at once when I needed it the most Reviewed on: 16th January 2023

Zopa keep it simple

I've used zopa for a few years. Personal loans, savings and now for a credit card. They keep the process simple and have always provided me with service when needed. Only room for improvement is their credit card lacks direct debit which I would prefer. Reviewed on: 16th January 2023

Sensible lenders

Only lend to what you can afford Reviewed on: 16th January 2023

Simple. Easy. Safe.

After a period where credit wasn't possible, Zopa have made it relatively easy for me to gain credit safely and start to rebuild my credit rating. The ability to also have a buffer that can be reserved for emergencies is also really useful, meaning that I stop using the credit card when it reaches my personal limit but still have a little bit extra I can dip into on rare occasions where I might need a little more. Reviewed on: 16th January 2023

Zopa is a very professional credit card company

I am very happy with Zopa. They are very easy to get hold of when you need to speak to someone regarding my credit card. Reviewed on: 16th January 2023

Superb credit card provider

Been with Zopa over a year now and they have been fantastic from start to date, zopa has my vote Reviewed on: 16th January 2023

Best company

You assist costumer good, thanks Reviewed on: 16th January 2023

Smooth process

From start to end the process was easy. When my card arrived I didn’t have to wait for the pin I could activate it on my app straight away. Reviewed on: 16th January 2023

helpful easy to follow

Zopa keep me on the right path.Nice to know they are there Reviewed on: 16th January 2023

Second to none

Nothin bad to say always great to deal with Reviewed on: 16th January 2023

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