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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

The best

I m very happy. Your credit card is the best Reviewed on: 14th January 2023

Cheap rate credit card

Low interest rate , customer service excellent Reviewed on: 14th January 2023

Fab card

Applied for this card and I'm very happy with this. I would definitely recommend to everybody Reviewed on: 14th January 2023

Excellent

Zopa is very accessible and card details are easily obtainable. Reviewed on: 14th January 2023

Brilliant credit card company!

Great company have no experienced any problems using the service! Reviewed on: 14th January 2023

Great service

They offer a great service, I’m with them for a year now and my credit limit stay same compare with other providers. Reviewed on: 14th January 2023

Amazing

Easy to manage I'm like this credit card Reviewed on: 14th January 2023

Great credit card

Great help when you need one. The apps is easy to use. Reviewed on: 14th January 2023

Small contacless limits and useless communication

I got this card when I needed some extra funds. They offered me 2000 quid limit ans I was in a tight spot so it worked out. I try not to use this but sometimes I need the 200 for fuel or shopping. That said. Contact less wont working car parks or other self service fuel pumps. Contact less limit is about 30 quid. And I get regular updates telling my limit has not changed. I got a zable card aflt rhe same time as this and now have an 800 limit. I wlnt use my zopa if I dont have to would recommend you go for Zable instead Reviewed on: 14th January 2023

Good service

Good in helping to build your credit score Reviewed on: 14th January 2023

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