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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)

Good company

Zopa are a very professional and approachable company to deal with. Reviewed on: 13th January 2023

Brilliant

Love zopa. Out of.my credit cards, by far the best Reviewed on: 13th January 2023

Just Zoopabulous

Helpful advice positive borrowing Reviewed on: 13th January 2023

Great credit card great accessibility

Having had a previous bad credit history and several years without available credit zopa is helping me rebuild my credit score. Great overall service and control with the app with statements and ability to make extra payments easy and see your balance and manage direct debit payment days!! 10/10 Reviewed on: 13th January 2023

First Class Service

This is a great credit card. They are helpful and also caring. Easy to deal with with easy to access help and support. A real CHAMPAGNE ZOPA NOVA credit card. Reviewed on: 13th January 2023

Fantastic

So straight forward. Nothing is complicated. Easy to use and understand the app. Reviewed on: 13th January 2023

Best credit card on the market

Zopa is the easiest, quick way to apply for a credit card. The company took a realistic approach to those who are struggling with credit scores and trying to rebuild. Great product to everyone. Reviewed on: 13th January 2023

Excellent

good flexibility for us good communication between customers Reviewed on: 13th January 2023

Delightful and committed

Helpful and non judgemental...I've had a delightful experience with staff. Reviewed on: 13th January 2023

Best

Amazing customer experience, very helpful and excellent service Reviewed on: 13th January 2023

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