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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)

A model for other providers.

I am very grateful to Zopa, they helped me out of a tight spot when nobody else would. I've had a credit card with them for a while now and had absolutely no reason to regret it. the app is simple to use and very informative and their customer service actually do provide customer service. The ONE TIME I had a problem with my card not working properly it was sorted out quickly and easily the same day by a friendly and efficient representative. Highly recommended! Reviewed on: 14th January 2023

Great easy app

Been very easy use from the start ,and always keep you upto date with information Reviewed on: 14th January 2023

Great customer service and simple to use app

Getting started with Zopa was very straight forward. The app is user friendly and has been a big helping with advice on improving my credit score. Reviewed on: 14th January 2023

Great company

Highly professional. All enquiries resolve quickly and efficiently. Helpful staff. Reviewed on: 14th January 2023

Fantastic card

I got my card for a holiday. It was easy to use and met my needs completely. I would recommend Zopa to anyone who is looking for a credit card to boost their credit rating. Reviewed on: 14th January 2023

Fantastic, easy app to use would recommend to family which I have.

So easy to use on app on mobile, Have recommended to family Thanks Vincent Reviewed on: 14th January 2023

Zopa credit card

Fantastic product would recommend to anyone!! Reviewed on: 14th January 2023

Good for emergency fund

Use Zopa when I need an emergency fund. I was approved straightaway. Affordable and able to use it anywhere. Reviewed on: 14th January 2023

Credit building card

Despite having a poor credit past in which a lot of past history was down to being a victim of fraud while I was in hospital for 12 weeks zopa offered me this card were very open and honest as to it's working easy app to compliment the working of the card which is great they have been great in dealing with lost cards replacement pins etc can't fault the company very happy with them Reviewed on: 14th January 2023

Good bank

Very good and helpful and very true to there word Reviewed on: 14th January 2023

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