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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)

Simple - from start to finish

Everything with this product is easy. From application process and simple and clear repayment arrangements. Reviewed on: 14th January 2023

First credit card in years

I have experianced bad credit in the past due to an ex-partner. Z opa allowed me a small amount of credit at first and have slowly increased the limit as I proved myself. Excelent provider and sensible. Reviewed on: 14th January 2023

excellent

quick and easy,money always availble Reviewed on: 14th January 2023

Great

Great, simple and helpful servise Reviewed on: 14th January 2023

Fabulous app, accessible credit

I took out a Zopa credit card when my IVA ended to help me work on my credit score & give me a little fit of wriggle room in my finances. The app is so easy to use and the credit card has helped me get back on my feet. I pay it off in full when I use it. Highly recommended, no fuss Reviewed on: 14th January 2023

So easy

The app is very easy to use, even for older people like me. Reviewed on: 14th January 2023

Life saver

They accepted me with my poor credit score. When anywhere i was rejected and later on even increased credit limit. Helped me when i had hard times. Reviewed on: 14th January 2023

best card

best deal I had for balance transfer. best decision made. Reviewed on: 14th January 2023

ZOPA Credit Card

Since receiving my credit card I haven't had any issues Reviewed on: 14th January 2023

Outstanding customer seevice

I spoke with customer services and they were extremely helpful Reviewed on: 14th January 2023

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