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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)

Zopa

Excellent service from zopa. No fuss Reviewed on: 14th January 2023

Credit card

Such a cool process to apply, no unnecessary hassle Reviewed on: 14th January 2023

Zopa helped me get back on track

After years of being in debt and having an iva my credit score was terrible, I could not get any other credit to rebuild my credit score but zopa accepted me and was it was very straightforward and easy to use and the app is great to keep track of your spending and you can even set a buffer Reviewed on: 14th January 2023

Great bank company

Easy, affordable and very helpful, understanding customer service. Great app very simple to use and navigate. Overall a brilliant bank Reviewed on: 14th January 2023

Fast speedy application

Great service from a great provider and a very speedy application process and time to receive card 1/2 days perfect! Also great credit limit and flexible Reviewed on: 14th January 2023

Confidence restored

It's been a while since I have had a credit card, and zopa has restored my confidence in controlling my spending and staying within my limits all the help is there with the online app a great tool to help keep on track with my credit score. Reviewed on: 14th January 2023

Easy and great comms

Using Zopa facilities is easy and with no hassle. The app keeps you up to date and communication from Zopa is easy to read and access. Reviewed on: 14th January 2023

Very good

I have poor credit and Zopa gave me a card that suits my needs, without giving me a stupid credit limit, Communications from Zopa are very good as well. The online app I simple Reviewed on: 14th January 2023

Complete credit card

Zopa credit cards are easy to manage with fair rates of interest. Reviewed on: 14th January 2023

Less Apr.friendly se4vicr and friendly card too

APR is less than other cards And also almost every where i soentvthis cardio never had nop4oblem. No hidden charges Reviewed on: 14th January 2023

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