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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)

Best credit card

This is a great credit card. Great interest rates. Very easy to use and understand app. Highly recommend Reviewed on: 13th January 2023

Keep it simple

I would definitely recommend Zopa to friends and family as the experience I have had has been overwhelming positive. The app is very easy to use which allows them to stand out from other credit providers. The service is also very quick with very helpful support available. Reviewed on: 13th January 2023

Credit card

As a credit card user, I have access to so much more, credit rating, benefits are so much more than just a credit card Reviewed on: 13th January 2023

No hassle

Super credit card no hassle easy too use app Reviewed on: 13th January 2023

Great company and customer services

Easy to use and great communication Reviewed on: 13th January 2023

Easy to use application - responsible lender

Love the app, easy to see where i am spending. Easy to contact Zopa wit questions. Responsible lender giving appropriate credit limits. Good and clear email communication from them. Really happy using this product. Reviewed on: 13th January 2023

Perfect for everything

I moved back to the UK a few years ago and wanted to build my credit, alas I couldn't get a credit card anywhere sue to my credit report having little to no information. Zopa were the first credit card provider to offer me a card. They are easy to contact, the app is easy to use and my credit score is now soaring and I have never missed a payment. This is all thanks to zopa and I have recommended them to multiple friends and family members who have also gotten cards. Reviewed on: 13th January 2023

No Hassle

To date all of my transactions have been smoothly completed. They constantly check my credit rating and adjust my credit limit accordingly. Reviewed on: 13th January 2023

Good communication

When I’ve had a problem Zopa have good communications which is key for me Reviewed on: 13th January 2023

Always here for us

Clear and simple to apply. Instant decision and a fantastic app. The communication is friendly and wise. Strongly recommend. Reviewed on: 13th January 2023

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