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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

Great company, easy to apply and the app is so easy to use. Always keep you updated. Reviewed on: 14th January 2023

Best credit card company

Would definitely recommend great app I am not brilliant with apps but this one works and easy to negotiate Reviewed on: 14th January 2023

No issue credit card

Easy to use app, easy to talk with customer service and understandable jargon Reviewed on: 14th January 2023

Easy to use and Helpful

I love that fact that I can put money in immediately and keep my use low on the card. Really helping to change spending behaviour and increase my credit score ! The APP is a game changer Reviewed on: 14th January 2023

Great company

They are always clear in what they are offering and give you help and advice when needed Reviewed on: 14th January 2023

Excellent service

Had had no issues using the card and the app is very easy to use. Check your balance, authorise new online payments. Very easy to set up a payment schedule and make payments. Payments are also credited to your account much quicker than other credit cards. Other all an excellent card. Reviewed on: 14th January 2023

My favourite card

Not only was the application process straightforward for my credit card, but i am also really delighted to have an opportunity to have a savings option too. Now i can utilise my card and add to my savings pot. Reviewed on: 14th January 2023

Saved me!!

I had hit a hard time and my credit score is not the best but Zopa give me a chance to have some money and spend wisely and I’ll be forever grateful Reviewed on: 14th January 2023

Helped rebuild credit

The app is really is to use. Has helped rebuild my credit. The app helps you learn about finances to keep your credit on track. Would highly recommend zopa. Reviewed on: 14th January 2023

Credit help

Zopa has helped me loads and the app is so easy to use Reviewed on: 14th January 2023

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