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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

a good banking company

simple, straightforward, no nonsense lenders with great service Reviewed on: 14th January 2023

Amazing

Very helpful,fast apply,app easy to use Reviewed on: 14th January 2023

Yes I would, this is best way to go

Fast and easy to use, especially if you have the app, and signed up for emails. Always stay updated Reviewed on: 14th January 2023

Good credit card

Good all round card would be nice if it could be added to apple wallet so I don’t have to carry it around with me Reviewed on: 14th January 2023

Good and easy to apply

Fast and easy to get one and also excellent customer service Reviewed on: 14th January 2023

Giving a chance

One of the first companies to give the chance of improving my credit rating. Reviewed on: 14th January 2023

The card for the best deals and 100% customer service

After seeing their advert on the Internet I applied and was quickly rewarded with a new credit card which I currently enjoy using. Their rates are suitable for me and the mobile app is a breeze to use...100% highly recommended... Reviewed on: 14th January 2023

Responsible & Ethical lender.

I love the fact that Zopa is a responsible and ethical lender. I’ve been with them for almost 2 years now and have been offered appropriate and sporadic credit limit increases - unlike other companies who will offer them all the time yet not taking into account if you can genuinely afford it. As a young adult I feel safe using zopa as a lender because of this reason. Thank you. Reviewed on: 14th January 2023

Simple and effective credit

Perfect usage and very simple to use Reviewed on: 14th January 2023

Great credit card

Easy to use and manage with their app. Realistic credit limits and great customer service. Reviewed on: 14th January 2023

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