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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

Gave me a chance to increase my credit score

Very efficient easy to apply. App is extremely easy to use Reviewed on: 13th January 2023

Great starter credit card

Great card to start with & you can reduce your credit limit if its too high which I felt mine was ...so not to be tempted to overspend & to build up my credit rating I reduced mine to £150. and over the past 6 months have improved mine from 400+ to 800+ Reviewed on: 13th January 2023

Credit Card acceptance

Building my credit rating back up with this card, the app is handy with everything you need, couldnt fault. Reviewed on: 13th January 2023

Great service, as long as you dont want to speak to any human being. Other than that, good card, & fair

Get rid of automated software, & give human beings their jobs back. Automated services are putting more & more people outta work. No wonder all companies are now thinking of striking. 42% of doctors are handing in their jobs. If you want Zopa to win, be the first to bring back human beings for jobs. Reviewed on: 13th January 2023

Ethical lending

Zopa is an ethical lending company. They never raised my credit limit when I got close which I’m glad about Reviewed on: 13th January 2023

Excellent service

Zopa it’s amazing always helps excellent customer service thank you Reviewed on: 13th January 2023

No pressures and easy to apply.

Easy to apply and understands customer needs. Reviewed on: 13th January 2023

The Best

best credit card i ever had Thomas Reviewed on: 13th January 2023

Credit card

Responsible lenders , good communication. Highly recommended Reviewed on: 13th January 2023

Great customer service and support

Fantastic credit card, easy, simple and responsive. The customer service is truly top class Reviewed on: 13th January 2023

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