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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Great sevice

Having just returned to UK from living abroad my credit rating was not that high. Zopa helped me with a credit card which also had a voluntary limit cushion, really great card, excellent service, really easy to use app also. Thank you Reviewed on: 13th January 2023

Best card have ever had

Can not fault there service card delivered very fas app is excellent is definitely the best card i have ever used Reviewed on: 13th January 2023

Apps

The Apps and other features are amazing. Reviewed on: 13th January 2023

Said yes when others said no.

Accepted me on my current circumstance whilst others rejected me on my past decisions. Reviewed on: 13th January 2023

Very efficient

Zopa have been excellent throughout would highly recommend them Reviewed on: 13th January 2023

Great product, great service

A great disrupter to the market. Reviewed on: 13th January 2023

Great card ,interest rate a bit high

Card is fine app is easy to use ,interest rate is high Reviewed on: 13th January 2023

Lifeline

Zopa have been so easy to deal with from application, speedy decision and responsible lending limits Reviewed on: 13th January 2023

I am very pleased.

I use a credit card and everything is perfect. Reviewed on: 13th January 2023

So easy

Just simplicity at it best no fuss no hassle Reviewed on: 13th January 2023

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