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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)

Great interest rates

Great interest rates for someone trying to build their credit so easy to apply for and great to use Reviewed on: 14th January 2023

Zopa my experience

My experience with Zopa has been fantastic. Very easy to apply for and to manage via the app. Reviewed on: 14th January 2023

Easy to pay youre bill on app so you know where you notifications when you spend on every purchase

Overall pleased very good if used properly Reviewed on: 14th January 2023

Inclusive

I had my credit rating knocked 20 points. Practically no company was offering me credit but Zopa gave me a chance. They are responsible and inclusive and I am thankful for them. Reviewed on: 14th January 2023

Professional

First class service and ease of use with great app Reviewed on: 14th January 2023

Fab

Good service easy to use great app Reviewed on: 14th January 2023

Great customer service

The concept of Zopa is great in that they want to assist people with poor credit rating Reviewed on: 14th January 2023

Understanding situation

Zopa have a clear understanding of people who for whatever reason have a poor credit rating and make the application proses simple. The Zopa app is easy to set up and use. Reviewed on: 14th January 2023

Credit card

Great service. Efficient and friendly. A touch of class. Reviewed on: 14th January 2023

Very helpful easy to use app

The company are very helpful and professional and have helped me build my credit Reviewed on: 14th January 2023

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