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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

Zopa

Good service, easy and simple to use and the app is good and easy to navigate Reviewed on: 14th January 2023

Best company with great accessibility

I have no complaints, my experience has been extremely straightforward, the ease of use from the application to the app and card. There are amazing features like credit cushion, ease of paying and updating. Accessibility is also one of a kind. I would highly recommend. Reviewed on: 14th January 2023

Reliable, Fast, Easy to apply, 100% accepted

Received my credit card within few days, very fast, high acceptance rate. Easy to apply, easy to manage, i literally didn't pay any interest. I use 6 months ago, best credit card ever. No hassle, no waiting. Instant money!!!!! Reviewed on: 14th January 2023

Excellent service

It does not take time to apply. They respond quickly to you. If you pay money to your credit card, it reflects immediately and you get your receipt immediately too. That's a fantastic service. I will recommend Zopa to all. Reviewed on: 14th January 2023

A new way of managing credit cards

Responsible lending without worrying about getting in over your head. Clear concise app ensures managing your account is effortless and confusion free. Added are fantastic email communications to double down on users ability to run manage and maintain a great account. I love it. Reviewed on: 14th January 2023

Money management made easy.

Brilliant. App, payments, costs, and unfortunately charges are all made clear and understandable to someone who doesn’t work in a bank. Honest is the best description Reviewed on: 14th January 2023

Highly recommended

Had a Zopa card for a while and everything about it is super easy. From managing repayments to getting the most from the card is all easy to do in the app. I would highly recommend Reviewed on: 14th January 2023

better than most credit card provider

does not matter how small or larg for my purchase zopa always comes up first out of my wallet Reviewed on: 14th January 2023

Ok credit card for poor credit ratings

If you have a poor credit rating this card is for you although they take ages to report to the credit reference agencies when your doing well Reviewed on: 14th January 2023

Good credit card

Very recommended credit card and nice staff to talk with .. Reviewed on: 14th January 2023

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