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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

Great provider

Always reliable and quick to help if Theirs any issues Reviewed on: 14th January 2023

Simple and Transparent

The card is the best and simple to use with transparent statement, I will recommend it to all my family and friends. One of the best attributes of the card is the updating of borrowing power every fortnight. Reviewed on: 14th January 2023

Very good company and interest rates and a fair credit limit..highly recommended

It's a very good card and the app is simple to use so you can keep track of purchases, a very fair company. Reviewed on: 14th January 2023

Spot on

Spot on can’t fault them customer service brilliant way to use app Reviewed on: 14th January 2023

Brilliant service

Gave me credit when needed, great company Reviewed on: 14th January 2023

Easy to use

App is very easy to use, and the credit cushion is a great feature Reviewed on: 14th January 2023

Good credit when needed

The money I repay goes quickly onto my account which enables me use again when needed thank you zopa Reviewed on: 14th January 2023

Great card

Great service , no problems whatsoever, would recommend Reviewed on: 14th January 2023

Good value

Easy to set up and use. App great to use. Easy to understand and decent interest rates. Reviewed on: 14th January 2023

Fantastic Card.

I've only had good experiences from this card thus far. Steadily increasing my credit limit accordingly. No changes in APR. All in all, extremely happy with thus card; my favourite card I use. Reviewed on: 14th January 2023

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