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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 with bad credit

I didn't have a good credit score but i got accepted for Zopla and it also helps build your score Reviewed on: 14th January 2023

Great card

Great card easy app to use and all straight forward Reviewed on: 14th January 2023

Service exceptional

Company is always friendly and helpful. They give advice when needed and always quick to respond. Reviewed on: 14th January 2023

The best lender ever

Easy to apply and stress free top up lending Reviewed on: 14th January 2023

Credit card

Overall excellence service and use off app Reviewed on: 14th January 2023

Great

Great card there very helpful and tips on how to get a better credit really good Reviewed on: 14th January 2023

Quick simple and easy

Very simple process and all checks seemed within reason. Easy to deal with payments. Well organised. Reviewed on: 14th January 2023

Great rates and great app

Probably the best credit card I've ever had. Easy to keep track of tour spending and the app us flawless Reviewed on: 14th January 2023

Excellent service

Very efficient, I get message before my payment due, and if there is insufficient funds I get message saying remedy the shortfall so I don't get charged and save it from affecting my credit, For someone like me who has seen the worse and trying to build my life back and my credit this is truly a life line. Reviewed on: 14th January 2023

Quick and easy and reliable

Got my credit card with ease. And with a nice limit and a nice balance transfer limit on top. Even with a slightly below average credit rating Reviewed on: 14th January 2023

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