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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)

Poor company , poor service

Ok firstly Zopa credit card is OK but how ever we'll you run your account they will never give you an increase or even communicate with you , unless you miss a payment. I've been with Zopa years ive never had 1 increase all because Zopa choose to look at old historical data on my credit profile instead of how you run your account and how you handle credit now not like 5 or 6 years ago. If you speak to someone they aren't interested and don't even care if you close your account so how they think they are the best credit card company I think they are deluded. I have other credit cards that have given me far credit limits so they must trust me bearing in mind I've never missed a payment for over 3 years but Zopa don't trust anyone. So unless you want a paltry limit and then speak to staff who have no care about how you run your account then you might enjoy it otherwise find another provider theres many more I would choose. Reviewed on: 14th January 2023

Straight forward and simple to use

Never had a problem with anything Reviewed on: 14th January 2023

Great service and very easy to use app

Good credit card and very good customer service Reviewed on: 14th January 2023

Happy

Professional support helps good customer service Reviewed on: 14th January 2023

Best company I have been with!

I’ve had credit cards before and they have been no help. I lost my job previously and I had to explain this and they were so helpful and understanding! Gave me different options and guidance. Reviewed on: 14th January 2023

Good company

Never had any trouble with them Reviewed on: 14th January 2023

EFFICIENT SERVICE

It was straight forward opening an account and the mobile app is easy to use Reviewed on: 14th January 2023

They gave me a chance

It’s taken a few years but Zopa have me a chance and I have built up some credit using their management tools, their help and would recommend to anyone in my position. Reviewed on: 14th January 2023

Mr

The apr is just too ridiculous. There should be a way to reduce this in an affordable manner. Reviewed on: 14th January 2023

Great card

Great card and great rates, easy to repay, Reviewed on: 14th January 2023

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