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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

Great company to have a credit agreement with.. everything is transparent and the application is straight forward.. interest rates comparable with any other company

Very is and fast application.. Immediate decision Reviewed on: 13th January 2023

Zona credit card

Easy to access,fast response, easy to use app Reviewed on: 13th January 2023

Allowing me to slowly move forward!

Fantastic little credit card. Not a great credit limit, but it’s a start. So thank you. Reviewed on: 13th January 2023

Mr Sadji

Very good coustomer service and good service Reviewed on: 13th January 2023

Simple

Simple and efficient card provider with great app back up. Reviewed on: 13th January 2023

Zopa credit card

Easy to set up and use app. Sensible starting amount. Don’t increase to frequently so you don’t get over your head. Sensible lenders and tools in app to help manage and improve credit score. Reviewed on: 13th January 2023

Great build credit

Easy process to apply for a card. Instant response to say yes or no. The app is where it is the best. You can easily see all transactions. When payments are due. Recommendations for setting up direct debits if needed. Ways to save money. It’s just so friendly and doesn’t judge you if you’ve had bad credit in the past Reviewed on: 13th January 2023

:)

quick verification and despite the low capacity I got the card Reviewed on: 13th January 2023

seems i,m barred frm using my £500 credit as i was told i,d have buy new smartfone as cudnt use app on my laptop

dont remember my acceptance had big letters 'no smartfone no credit! in my name aswell...be gr8 if can b sorted but after recnt treatmnt not holding breath..sorry wish had sumthing more positive to say Reviewed on: 13th January 2023

Very good

Great provider and excellent service Reviewed on: 13th January 2023

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