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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

Smooth and easy process

From start to finish applying for a credit card with Zopa was very easy and hassle free, my card arrived very quickly and I was able to use it straight away. The app is fantastic not only as it allows you full oversight on your account but it offers extra help in terms of money management advice and credit score improvement help. One big thing that I’ve never had with any other credit card is when making a payment to my balance it’s almost instantly applied. It usually takes 2 days for other CC companies but with Zopa you can manage your balance a lot better. Extra features like the credit cushion are a fantastic idea as well. Reviewed on: 14th January 2023

They helped when no one else would

I didn’t have the greatest credit score at the time and was looking to re build and improve. Zopa were the only company to reach out and help me. Without them I would not be on the road to repairing my credit score. I’ve never had a single issue with them. Everything has been an easy smooth ride with them thank you Zopa ! Reviewed on: 14th January 2023

Very good

Very good and Easy to setup and also it bill your credit I would tell anyone about zopa card Reviewed on: 14th January 2023

The best credit card company

I like zopa credit card because compared to the other credit card companies, it gives high starting credit card balance - I received 400£ starting balance and after a few months I applied and I got an increase for extra 400£. Probably in a few more months I will get another increase. So people zopa company is very reliable and has quality customer support service. If you ask me to choose a credit card between ZOPA and HSBC/barklays and the other "traditional"banks, I would 150% of the times will choose ZOPA. In the traditional banks there too much securities to go through and if I can't fill my details fast enough and I make 5-10 wrong moves and I have to call their customer service for a reset, which iny opinion is really Stupid. Reviewed on: 14th January 2023

FANTASTIC SERVICE

I’ve been a customer with Zopa for just over a year now and I’ve found them to be a great company with exceptional customer service. Their app is user friendly as you know exactly how to manage your account without multiple clicks. All in all a great company so far I would definitely recommend their services. Reviewed on: 14th January 2023

Very great

One of the most helpful organisations when you need help Reviewed on: 14th January 2023

Best card credit the Uk

The credit card Zopa, the best card uk. Reviewed on: 14th January 2023

Easy to use no hassle

I had a bankruptcy through issues with my business. Not personal debt but business. Zopa were the first card to have faith in me and I have always used them. Good company Reviewed on: 14th January 2023

Best credit card for building credit

Got Zopa card just over a year ago and had limited credit history, used it for only a few months before my credit score went up by over 200 points. Can’t recommend Zopa enough. Reviewed on: 14th January 2023

User friendly interface, great customer service

A great credit card facility for customers with low credit score , my limit was initially 400 , but with regular repayment and slight increase in credit score , I was move up to 1200! Reviewed on: 14th January 2023

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