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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

Just easy to understand and good product

Nice and easy app and no problems with it as yet Reviewed on: 13th January 2023

Very good

Good credit card with no alarming interests Reviewed on: 13th January 2023

Great service

Credit card is straightforward and simple to use. Reviewed on: 13th January 2023

Good credit card company

I have had a good experience with zopa credit card , and there some good money managing tools that you can access when a member. Interest rate is good compared to most cards.Fair lender Reviewed on: 13th January 2023

Excellent product

Easy to apply and swift delivery of card Reviewed on: 13th January 2023

Excellent!

Can’t fault Zopa as a lender. Would 100% recommend! Reviewed on: 13th January 2023

Helping me stay within my credit limit

Opportunity to give you buffer for unexpected situations Reviewed on: 13th January 2023

Fantastic!

Every time there for me to help,is a quick card and amazing to have a Zopa card Reviewed on: 13th January 2023

Good service

Great service and fantastic app. Very easy to use Reviewed on: 13th January 2023

They helped me when I needed help

In my younger days I was not very……..good with money amongst other things. This led me to a bad credit file. After many a “No” Zopa said yes. I’ve been with them for just over a year. Already had a credit increase but more importantly because I have been on the button with payments etc. my credit score has started to go up. It’ll take a bit more work but I am thankful they gave me a chance. Great business. I’m just a standard bloke who works as a carpenter, I have two small children and a moaning Mrs :) (she’s not that bad). I only say this because this is a real review not like other reviews I read where they are obviously paid for somehow. Zopa are good for saving and helping with credit Reviewed on: 13th January 2023

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