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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)

Life Saving

Joined Zopa in order to improve my credit score, really helped and has continued to help with my financial management over the past year. Now, improving my score is just an added benefit Reviewed on: 13th January 2023

Gives opportunity to rebuild credit with support

Having pulled round my life and obtained a mortgage I wanted to rebuild my credit Zopa gave me this chance and offer support and advice e Reviewed on: 13th January 2023

Good fast service

Application very simple and straightforward no complaints Reviewed on: 13th January 2023

Good Credit

Good flexible credit card with good rates Reviewed on: 13th January 2023

Painless and easy to apply

Application was easy and straight forward, would highly recommend. Reviewed on: 13th January 2023

Fab company

I was offered a credit card from Zopa 2 years ago. They've increased my limit according to my spending and paying off balance, I have since been offered a loan with Zopa but I've declined as its not needed at the moment. Its good to know that they look after you when needed. They are always upfront & give plenty of notice with any fees or increases to APR. I definitely will continue to be a customer far into the future Reviewed on: 13th January 2023

Excellent service

Excellent service and good professional experience Reviewed on: 13th January 2023

Great easy Zopa

So easy to manage through the APP. All expenditure shows up instantly so you see as you go along what you have spent. Easy to make payments. Opportunities to increase limit which in turn helps to improve credit rating. Reviewed on: 13th January 2023

Low APR

Low APR and amazing service. Instant real-time data and control Reviewed on: 13th January 2023

Family friendly

Really family friendly team and simple to access and understand payments and funds available. Reviewed on: 13th January 2023

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