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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)

I cannot fault it!

I am a very happy customer, thank you! Reviewed on: 13th January 2023

Bad credit wanting credit card

I applied for a Zopa credit card to help build my credit rating as it was very poor, I didn't think I'd be accepted but I was shocked when I was. The app is easy to use and repayments monthly are extremely low compared to other credit cards. I've had no issues whatsoever and would highly recommend Zopa to anyone and everyone. Reviewed on: 13th January 2023

Excellent customer service

Easy to use and no problem and excellent customer service Reviewed on: 13th January 2023

Easy to manage

Had loads of issues with credit cards and difficulty managing them this has been a doddle! Reviewed on: 13th January 2023

Perfect

Everything was self explanatory Reviewed on: 13th January 2023

Good in a pinch!

Good for people branching out to the world of credit. Just don't overborrow as the interest rates are pretty high! Reviewed on: 13th January 2023

Helped me out soooo much

Zopa has changed my life, I was unable to get a card and now my credit scores has improved Reviewed on: 13th January 2023

Excellent

I have car finance and credit card with Zopa , very good experience I have Reviewed on: 13th January 2023

Fantastic

Fantastic and never let me down Reviewed on: 13th January 2023

The best company

The best company in the country Reviewed on: 13th January 2023

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