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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 card

Just a very good card to have. When you pay your payment it actually goes off your debt. Reviewed on: 14th January 2023

Easy to use and App is superb

Access into the app is really good and clear interface once on the app. Would 100% recommend to others Reviewed on: 14th January 2023

Independence

Just a comfortable application & excellent after service plus App Reviewed on: 14th January 2023

Credit card

Good experience nice work erverthing good Reviewed on: 14th January 2023

Help with my finances and getting back on track

The monitoring of my finances has helped me get back on track Reviewed on: 14th January 2023

Excellent chiice

I chose Zopa 2 years ago after a small financial period of difficulty. They signed me up straight away and have not only helped improve my credit rating, but have enabled me to better manage my finances. Thank you team Zopa!! Reviewed on: 14th January 2023

Simple easy process

Card was simply to apply for and arrived with in a week, interest is easy to calculate for both purchase and withdrawal Reviewed on: 14th January 2023

Amazing

It is fantastic. Easy to use, you can pay as much as you want, very fast payments abd you can withdraw cash as well. Interest rate is very low. Reviewed on: 14th January 2023

Not all it is hyped up to be

Balance transfer is a separate limit to the card so once expires that limit is not added to the card. If you have a 1500 limit when you take out the card why reduce it after e months. A low limit impacts the credit file even though it is less than 2 days salary Reviewed on: 14th January 2023

zopa

i recieved a credit card from them when others refused dye to my bad credit helped me out when needed it most Reviewed on: 14th January 2023

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