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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)

Excellent

Really easy to use excellent service Reviewed on: 14th January 2023

Perfect Card

All that you want with a card it’s that you have with Zopa Reviewed on: 14th January 2023

Great car and easy to use app

The application process was simple and quick. After having the card a while now it is my go to card. The app is easy to use, repayments are shown on my account much faster than any of the others cards I’ve had. And I’ve never had a problem with this account Reviewed on: 14th January 2023

C. Card

I've a card with Zopa send a loan. No complaints at all Reviewed on: 14th January 2023

The best

I,m happy to aplly for zopa and is the best Reviewed on: 14th January 2023

Top Notch Service

I came about this provider by random chance and have to say I’m glad I did. Very easy to navigate services, stylish card and great customer service Reviewed on: 14th January 2023

Best Credit Card out there

Fast and easy sign up, great customer service, superb app and fantastic communication updates Reviewed on: 14th January 2023

They send notification and immediate response

I’m one of the happy customer from zopa Reviewed on: 14th January 2023

Fantastic service

Absolutely fantastic service and card, the app helps you keep track of your spending and is easy to use when you want to make payments A very good product and they take into account your financial situation to be sure your not going to end up in financial hardship Would recommend especially to people trying to rebuild their credit Reviewed on: 14th January 2023

Excellent experience!

I have been sick for a couple of months and was looking for a way to protect myself on a rainy day and to build my Credit Score. Zopa Credit Card, met my requirements and luckily, I'm also ejoying a zero per cent interest rate, when repaying my card in full within a month. I'd recommend Zopa to anyone facing a difficulty and anyone who want to build the Credit Score! Reviewed on: 14th January 2023

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