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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

Open and honest

Easy to apply for, open , no issues and all is clearly stated. Reviewed on: 14th January 2023

Wow

The zopa credit card is great, so easy to manage on the app, the ability to truly have complete control over your spending, love the credit cushion setting! Also the ease to pay amounts off the credit card whenever you want is spot on, no need for 1000 different steps to log in it is all there right at your fingers tips! Would 100% recommend Reviewed on: 14th January 2023

Best card ever

Easy to use app and the best thing is Zopa will not increase my credit if my rating isn’t good which keeps me grounded and controlling my debt Reviewed on: 14th January 2023

Fantastic App

It was so easy to apply for the card straight forward application. The app is amazing and easy to read balance. Any money paid off shows up straight away. Reviewed on: 14th January 2023

Would highly recommend

The application process was easy, the app is amazing and very clear, even tells you the percentage of the credit limit you've used. Payments go through with no bother, I like the fact they reflect in the balance immediately. Reviewed on: 14th January 2023

Excellent service

Easy to use app with great credit options automatically updater Reviewed on: 14th January 2023

There when I needed them

Zopa was the start of my journey to get my bad credit back on track, and thankfully, they have done just that! Reviewed on: 14th January 2023

A good card with support

This card has been very helpful. Good support and help. Reviewed on: 14th January 2023

Best on the market

Easy to use and nice to hold ! Best type of credit card on the UK market . Reviewed on: 14th January 2023

Great Credit Card

Easy to apply, great app and very useful tools. Reviewed on: 14th January 2023

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