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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

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4.87

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)

Easy, efficient and helpful

Easy to apply and great app to keep on track Reviewed on: 14th January 2023

Quick and good rates

Excellent quick and easy . App is easy to use and lots of information Reviewed on: 14th January 2023

Excellent

Brilliant credit card and features like saving account Reviewed on: 14th January 2023

Very easy to apply and helpful

I am very happy with ZOPA cerdir card i was refused everywhere for a credit card because of my poor credit score but i had one in 5 minutes with ZOPA for £ 400 limit which is very good i am very greatful zopa credit card is there to help me on the difficult time 100%recommended Reviewed on: 14th January 2023

Life saviour

It was there when i needed it most despite my poor credit rating Reviewed on: 14th January 2023

Exelente

Es facil de aplicar y obtener son muy ambles al attender tus preguntas e inquietudes no necesitas mucha verification en fin la recommends para familias Reviewed on: 14th January 2023

Best finance company ever!

I have a credit card and two loans with Zopa. Such a pleasure to deal with. I wouldn't go anywhere else. You do need to have a good credit rating though so make sure you have one before you apply. Reviewed on: 14th January 2023

Quality service

From the start excellent customer service very easy to use app Reviewed on: 14th January 2023

Very Good Card.

I would recommend Zopa card to all my friends and family members. The app is easy to use and very straight forward. Reviewed on: 14th January 2023

Low credit limit

Small credit limit that doesn’t change as well as the borrowing score, high interest Reviewed on: 14th January 2023

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