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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

Easy process

Quick and easy application response was very rapid. App is simple to navigate even for the least tech savvy Reviewed on: 14th January 2023

Great and easy credit card to use

Zopa are very easy to apply for and very easy to use. Made my life alot easier with their credit card. Reviewed on: 14th January 2023

Great

Such a good company always there to help. Reviewed on: 14th January 2023

Great service

Simple hassle free credit card provider Reviewed on: 14th January 2023

Simply the Best and easy to use Online Bank

First bank to approve a Credit card for me when no other bank came forward to offer a Credit. I am also being loyal by making on time payments in return. This is a need of the hour bank for all new comers in UK who is yet to build their credit score. Hatts off to your services. Reviewed on: 14th January 2023

Brilliant Comoany

Nothing is to much trouble if you have a question to ask them. Reviewed on: 14th January 2023

A M

Great services and I'm happy with the credit card Reviewed on: 14th January 2023

Help for poor credit..& thanks

I've found zopa fair & on top of their game.. I'm not saturated with offers or temptations.. reasonable starting credit & I feel a valuable customer.. I would give zopa more stars if I could thank you for your service Reviewed on: 14th January 2023

Easy to use, great starting limits

I've never had a problem with zopa, I find it easy to pay my bill on the app, its set out very well, I also liked having a good starting limit on my card. I'd definitely recommend zopa Reviewed on: 14th January 2023

At last no messing

Zopa were great when I applied for thier credit card my credit history was not perfect but zopa told me within minutes and gave me a credit limit that was useful to have not a few hundred pounds like most other firms. All in all I would highly recommend them to anyone. Reviewed on: 14th January 2023

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