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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)

Excellent service straight forward to use

Easy application, straight forward ease of use. Never had a issue. App is easy to understand Reviewed on: 14th January 2023

Great company

Company gives a good interest rate, and fast acceptance Reviewed on: 14th January 2023

Easy credit card

Easy to get Zopa credit card for low credit score Reviewed on: 14th January 2023

great service

easy to apply very quick responce Reviewed on: 14th January 2023

Good card and good app

This is a good card and and the app is easy to use. Reviewed on: 14th January 2023

The card that helps out when times are hard

I really like this card with it's credit cushion so you can set your own allowance. They also offer other facilities best card I have had Reviewed on: 14th January 2023

Build your credit score

My Zopa credit card is handy, good to have credit card like this. Reviewed on: 14th January 2023

Sensible limits, helpful staff

I had a slight issue with payment but the staff were very understanding and helpful. And the app is easy to. Use too. Reviewed on: 14th January 2023

simple, effective and fuss-free

Love zopa, such a great service, from sign up to first purchase, the whole experience was great and unlike any traditional bank interaction. Reviewed on: 14th January 2023

Best credit card company

I believe Zopa to be the best credit card company I have ever used Reviewed on: 14th January 2023

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