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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

New credit card from Zopa

So far so good. Early days yet but got accepted with swiftly. App user friendly, easy to navigate, all done within the app and no need to go online. Reviewed on: 14th January 2023

Fantastic

No problems what so ever great service Reviewed on: 14th January 2023

Rebuilt my credit history

Helped turn round my finances , Reviewed on: 14th January 2023

Best credit card company

Having this credit card has helped me so much in building my credit score Reviewed on: 14th January 2023

Efficient and very fair

Excellent service have recommended to friends and family Reviewed on: 14th January 2023

Good company

Effortless, simple, easy to use app. Reviewed on: 14th January 2023

Brilliant company .. never a problem with contact .excellent

Good rates and efficient staff .highly recommended Reviewed on: 14th January 2023

Hit and miss

They gave me a card with 34% apr and a £500 limit... If I had known this I would not have proceeded with the application; however after cancelling it and re-applying a coupl eof months later I got a £3k limit with 9.9% apr which has gone up within a could of months to 10.9 Reviewed on: 14th January 2023

Good customer service

Really helpful in difficult times Reviewed on: 14th January 2023

Satisfied Customer

Very quick and easy to deal with Reviewed on: 14th January 2023

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