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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 service

I chose zopa credit card to help improve my credit rating, so far it's been the best decision I have ever made. The zopa app is so easy to use, every time I spend I get a notification showing how much I just spent and how much credit I have available. All payments to zopa is done through the app and is linked to my bank card. If I ever forget to make my monthly payment I don't need to worry , as there is a set date within the app where the payment is made. I am now more confident of my spending habits an I am in total control of my spending. As a result my credit rating has Improved and my credit limit has been upgraded Reviewed on: 14th January 2023

A*

Good service and very easy mobile app to use Reviewed on: 14th January 2023

Great service

Quick and easy to use app. Keep you informed on everything you spend , great company Reviewed on: 14th January 2023

Easy company to deal with

I've had absolutely no problems with them at all Reviewed on: 14th January 2023

Zopa Credit Card

Excellent card company they always let you know when you need to pay before you are charged interest. Fantastic C Customer Service, would highly recommend. Reviewed on: 14th January 2023

Clear, easy and manageable.

I have been with Zopa for over a year now and have found them so easy to deal with. My account is really easy to manage via the app and I have not found any need to contact Zopa any other way as the app does everything I need. It to do. I haven’t been bombarded by Zopa to take advantage of any other services that they do like other companies do and it’s a breath of fresh air I must say. All in all, I’m happy that I am using Zopa’s service for my needs. Reviewed on: 14th January 2023

Very handy

Easy application process for credit building. Never had any personal need to contact the team but I'm sure the assistance would be there Reviewed on: 14th January 2023

Good company

I would recommend this company they review your situation each month easy to get hold of people if you want to talk Reviewed on: 14th January 2023

Excellent

Happy great experience! Excellent service. Reviewed on: 14th January 2023

Excellent credit provider

Good company that provides opportunities to build your credit history Reviewed on: 14th January 2023

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