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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)

Credit card

This card is very good simple to make payments , overall best card I’ve ever had Reviewed on: 14th January 2023

Surprisingly good

Was a little unsure of zopa because it was not a company I had heard of nor was it high street brand. Cannot recommend them enough. Easy application process. Great methods to repay which instantly credit your account. No hassle. So pleased I found this little gem of a company. Reviewed on: 14th January 2023

Zopa Outstanding

Zopa is a excellent choice, so easy to use the app and customer service is outstanding. Would 100% recommend Zopa to everyone. Reviewed on: 14th January 2023

Like it very much !

Quick access, great credit limits from start, repayment in seconds appears on the record (not like other company's, 2-3 days). My wife got one too. Reviewed on: 14th January 2023

Good credit card

Good card. Good service.very helpfull staff.if u have payment problems they will help without been scare mongerd Reviewed on: 14th January 2023

Simple & Great

Even with poor credit rating I was accepted, the app is simple and easy to use. My credit limit has gone up and so has my score. Reviewed on: 14th January 2023

Great card but they should increase my credit limit

Excellent Great card but they should increase my credit limit Reviewed on: 14th January 2023

Amazing

Zopa has helped me Massively with my credit score and being able to have a card that is easily used Reviewed on: 14th January 2023

Brilliant service

Yes I would strongly recommend this company to anyone as they are friendly and helpful Reviewed on: 14th January 2023

Zopamazing

I've used the card for a while now and have found their communications to be up and above my previous companies. They email to inform of upcoming payments,which is extremely helpful during the current times. Reviewed on: 14th January 2023

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