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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)

Easy

Easy to apply for and kept updated each mont Reviewed on: 14th January 2023

Reasonable

The interest rate is reasonable and always send a reminder as per credit use ,payment and balance. Reviewed on: 14th January 2023

Excellent

Brilliant experience so far love the app Reviewed on: 14th January 2023

Excellent service

No problem with using my card, it’s so easy to use Reviewed on: 14th January 2023

Great service!

Quick and easy to set up. Simple, straight forward process to set up through the app and my card came within a few days. Reviewed on: 14th January 2023

The best credit card in the uk

The best credit card in the UK . When I started using this credit card I learn how to mange my money Reviewed on: 14th January 2023

Brilliant company

Fantastic card . Brilliant services. Reviewed on: 14th January 2023

Excellent product and customer service

Easy application, you know exactly where you’re at, how much you’ve spent, and are notified when you get a new statement. I can’t fault their customer service or the app. Brilliant credit card Reviewed on: 14th January 2023

Responsible lenders and willing to give you a chance

With poor credit due to circumstances Zopa was willing to give me a chance. I’ve been with them 6months and never missed my payment of my full balance paid in full every month. It’s a great card to have if you need a safety net throughout the month Reviewed on: 14th January 2023

Kindness

They are a very friendly and helpful team and they also help you if you are struggling Reviewed on: 14th January 2023

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