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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)

A great credit card

A friendly helpful company always looking at your finances to help you save money and improve your current situation. Reviewed on: 14th January 2023

Best ever

Easy to apply easy to track spending Reviewed on: 14th January 2023

Excellent

Easy to use and work with, helped me get credit history back in the right direction Reviewed on: 14th January 2023

Quick Easy Application

A quick and easy application process, everything was clear and my card arrived soon after, good company would recommend Reviewed on: 14th January 2023

Zopa are upfront keeps you updated

Great experiance keeps me updated with my spending and clears payments made on same day no waiting 3 days for payments to show in your account Reviewed on: 14th January 2023

Best card ever

Easy to handle, everything is clear , no hidden charges. Flexible repayment you don't have to pay on exact day , you can spread your monthly repayment up to agreed date. That's mean if your repayment date is 10th every month and you pay 10£ before that date it's count as pert of your monthly repayment and make it lower . Reviewed on: 14th January 2023

Very good

Very useful finance company, highly recommended Reviewed on: 14th January 2023

Banking made easy

Application for credit card was easy and straightforward,quick response with a decent credit limit customer service is also very good Reviewed on: 14th January 2023

Perfect

Perfect company to deal with, brilliant for credit building for people with less than great credit. The best credit card I've had. Reviewed on: 14th January 2023

Good service

Really good service and no hassle customer service really helpful Reviewed on: 14th January 2023

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