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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)

Very good for building your credit score!

I get regular updates of my credit score and how to improve it . Reviewed on: 13th January 2023

Great company great service

Zopa accepted me even low score i pay my balances in full every month helps me and my credit score much appreciated company Thank you Reviewed on: 13th January 2023

Beat credit card

Customer service is great and the app is great too! Reviewed on: 13th January 2023

When I had nothing they gave me hope

Up to the SECOND spending. Where when how your money has been spent. Can't ask for better. Reviewed on: 13th January 2023

Amazing company

Had credit card for over year best company I’ve used Reviewed on: 13th January 2023

Sensible lending

Easy application and a sensible approach to lending. Easy to use app and regular updates on account management. Reviewed on: 13th January 2023

Great service, easy to use

Hassle free, competitive rates and an easy to use app for an old technophobe! Can't fault it at all and have recommended to family Reviewed on: 13th January 2023

Reliable

Zopa is one of the best i’ve ever used, easy to apply, no hidden or extra charges Reviewed on: 13th January 2023

They are rate and the customers service is excellent

They app is very easy to operate Reviewed on: 13th January 2023

Amazing service

Great service with easy to use app Highly recommended to all Reviewed on: 13th January 2023

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