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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 credit rebuilder

Never had any issues with this card provider at all. Easy app to get aswell Reviewed on: 15th January 2023

Excellent after sales

Excellent after sales experience Reviewed on: 15th January 2023

Best credit card

Since ive been with zopa found them to b professional and have excellent customer service cannot fault them at all would gv them 10 out 10 Reviewed on: 15th January 2023

Low credit score card

Given manageble limit and never had a problem Reviewed on: 15th January 2023

Great

Great service easy to use card as clearly statement Reviewed on: 15th January 2023

Excellent service

Great company to help get credit back jnder control would definitely recommend Reviewed on: 15th January 2023

Friendly

Zopa is very easy to access and very straightforward Reviewed on: 15th January 2023

Super low interest

Being accepted for this super low interest rate credit card was a boon for me. No doubt helped by being a valuable personal loans customer. I am extremely pleased with the Zopa products overall and no need to go anywhere else. Reviewed on: 15th January 2023

Accessable to All

Overall it was a really simple process to get the account open and the card was with me in a about 2 days. The app itself has all the usual uses one would need. Be that the ability to set a buffer limit or too freeze your card as i have done once when lost. Once i found it at the lost and found i could unfreeze. Not having to wait for another card in the post. The best feature i think is being able to see your pin. I don't use it often due to it's contactless so it really helps being able to get my pin after a quick security check beforehand. Reviewed on: 15th January 2023

Excellent

Excellent experience, very easy to use. Reviewed on: 15th January 2023

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