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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.

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

Excellent

Once i call customer service and I apply they quickly respond Reviewed on: 14th January 2023

Sagar khan

Best credit card to improve ur score Reviewed on: 14th January 2023

The best credit card company ever!!

Zopa was one of 5 that accepted me for a credit card as I wanted to build my credit score, they offer the best deal and the best apr, my experience with zopa has been to quality and the app help manage my day to day expensive perfectly, thanks again zopa Reviewed on: 14th January 2023

Best experience

Zopa providing Convenient and best experience. I am glad to be a zopa customer Reviewed on: 14th January 2023

a great card

Very happy with card and app. very easy to use and include all information needed easy to access. Good rates and good service Reviewed on: 14th January 2023

Good fast and reliable

From start to finish I had no problems at all very good Reviewed on: 14th January 2023

Great Credit Card.

Excellent and easy to use app. Polite helpful staff if you need to contact them. Fair credit limit. Reviewed on: 14th January 2023

The best ever!

I'm almost seventy years old, have dealt with several financial institutions in my life and am old enough to have been treated very badly by some because, in spite of being a teacher and, by age 27 a deputy head with savings and no debts at all, because I was a woman I was seen as not able to be trusted with a mortgage or loan and to ask my father of husband, then a retired and a student, for a loan. Thank heaven for this new generation of enterprises! If I was younger, I would be seeking another home and, as well as holding a credit card with Zopa, would ask there for a loan for any necessary carpets, furnishing etc. A wonderful firm with a great team who realise your brains and ability to use technology don't vanish when you retire! I can't thank or recommend them enough. Reviewed on: 14th January 2023

Great

Card works as it should Zopa doesn’t bombard me with useless email or call me up wasting my time. Overall very happy Reviewed on: 14th January 2023

My Zopa card

Easy application with easy control over you finances would recommend to anyone who is trying to build their credit score Reviewed on: 14th January 2023

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