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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)

Zopa credit card

I came accross this card when I was searching for a good card to build my credit. I applied and was approved for £250 a and I have been making payments and now my credit limit was increased to £1200 over a space of 8months. I am happy with my card. Reviewed on: 13th January 2023

Reliable

Highly recommend Zopa very useful n helpful service. They instantly allowed for me to have £500. Its good to be with a Provider that will always be there to support you. Reviewed on: 13th January 2023

Easy and Helpful

Great experience signing up.. easy to use app and features Reviewed on: 13th January 2023

Really easy to contact and great for credit building

Gave me an increase based on my payment history, helps to build my credit score, not judgemental, very easy to deal with, great app Reviewed on: 13th January 2023

Used zopa credit card in difficult situations

It was very helpful for me in bad circumstances. And had good experiences Reviewed on: 13th January 2023

Great customer service

Straight forward application. The process was explained from the beginning to the end. The credit is given in minutes. Reviewed on: 13th January 2023

Excellent customer experience

Turnaround time was magical in resolving issues Reviewed on: 13th January 2023

Best card

Easy to use user friendly I would say best card in my life love it Reviewed on: 13th January 2023

Useful option for credit building

Helpful to help build credit with generous limits. Reviewed on: 13th January 2023

Transparent & easy to use

Zopa are transparent and provide lots of coaching and offers to help build your credit score. Their app is easy to use and their card design is I credibly eye catching too. Super great support staff too Reviewed on: 13th January 2023

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