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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

Very easy to use app.

App is very easy to use, keep track of spending, make payments and customer service always eager to please excellent card to help build your credit score Highly Recommend Zopa Reviewed on: 13th January 2023

credit card provision

EXCELLENT CREDIT CARD AND LOAN PROVIDER Reviewed on: 13th January 2023

Great credit company

Easy application and speedy decision. Reviewed on: 13th January 2023

Great Company

Nice company, helped me build my credit and look after you. I really do recommend to people to help sort there credit out. Reviewed on: 13th January 2023

Great second chance

Zopa was able to give me a second chance at credit. Thanks to them I now have credit. Reviewed on: 13th January 2023

Zopa is best credit provider

Brilliant company, great desls, great prices. Highly recommended to all. Reviewed on: 13th January 2023

Sensible Credit

Zopa have been amazingly supportive in helping me manage my credit. My card has a credit cushion facility which is brilliant for managing emergency situations. Modern and reactive credit that encourages money management. Reviewed on: 13th January 2023

Thank you

After going through a few really hard financial years my credit score was pretty bad. I was very surprised that Zopa gave me the opportunity show that I’m more able then my score reflects Reviewed on: 13th January 2023

Quick and easy

Quick decision and very easy to apply for a Zopa credit score. Great that all accounts are displayed in dashboard Reviewed on: 13th January 2023

Easy application, decent credit limit, very good apr

I have a default and 2 unsatisfied CCJs on my credit report from a financial blip a few years ago. Zopa still offered the best credit limit and by far the best apr compared to every other provider Iv looked at, 20% lower apr in most cases. Easy application process, and managed from an app with fortnightly affordability updates that show you what other products you might be eligible for, loan, car finance, savings etc. very happy with Zopa, got the chance to rebuild my credit without being ripped off Reviewed on: 13th January 2023

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