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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)

Great

Very good card decent limits and a very easy to use app which keeps it simple to do what you need. Highly recommended Reviewed on: 14th January 2023

Excellent

Very good reviews and very easy and efficient in applying for the credit card and very good information regarding other financial products Reviewed on: 14th January 2023

Ideal

Zopa is an ideal credit card that works for me Reviewed on: 14th January 2023

No nonsense

Smooth application, easy to use application and no gimmicks, no nonsense finance card, everyone knows where they stand and helpful customer service if needed Reviewed on: 14th January 2023

Disruptive & different, in a good way

It’s highly unlike me to take time out of my day to rain down praise upon a financial institution but in Zopa’s case I have to make an exception. The elitism and outdated ideology’s of the big banks is crumbling under the pressure of new Fintechs like Zopa with their inclusive & accessible products, cool messaging and a great UX delivered through their fantastic app. Eagerly awaiting a current account to be part of their portfolio. Keep up the good work. Reviewed on: 14th January 2023

Help me through toughest time

This zopa credit card is amazing help you get through the rough time without damaging credit score with the balances of telling you how much borrowing and how you can do better. Also has saving so it reduce of the likely today of going over the credit limit Reviewed on: 14th January 2023

Credit builder

Zopa was the only lender willing to offer me a credit card after my bankruptcy 4 years ago through I’ll health. I am eternally grateful and can’t praise them enough Reviewed on: 14th January 2023

Very much recommend zopa

Hassle free , helpful service , easy to understand app , perfect Reviewed on: 14th January 2023

Great for credit score and easy to use

this card is very easy to manage and use. fast and secure. Reviewed on: 14th January 2023

Great customer service

Always great communication and support. They are fast to answer any issues or queries when you have them. Would highly recommend Reviewed on: 14th January 2023

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