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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

Good card

Great service and very quick too. Turn up. Reviewed on: 13th January 2023

Best provider by far

I’ve had a zips credit card now for some time, and have never had any problems with this company, there customer service is second to none, and I’d recommend them strongly. There definitely the best by far Reviewed on: 13th January 2023

Excellent Customer Service and Value for Money

I’ve held a Zopa credit card for over a year now and whilst it provides everything you expect from a card provider these days such as an app with all the required features and customer service support that meets high standard expectations, it’s also one of the best rates on the market making it excellent value for money when general consumers need it now more than ever Reviewed on: 13th January 2023

Good credit providers but not enough limits

I cancel my previous credit card coz of credit limit and APR. After some time the offer me 18.90 APR which is good but still not enough limits I hop the will increase time by time. Thanks Zopa Reviewed on: 13th January 2023

Top people

The whole process has been easy and uncomplicated with everything explained as I went along with no hidden fees or traps. Reviewed on: 13th January 2023

Great service

Great service, could help to give us a bit more credit limit Reviewed on: 13th January 2023

Awesome job Zopa!

Ever since being accepted Zopa have given clear straight forward advice, helping along the way. Website is great and easy to use. Sensible lenders who support their customers!. Reviewed on: 13th January 2023

Easy to use card

I've had my Zopa card for a while now and I find it quick and easy to use. I am managing to stay within my £500 limit but it would be nice to be offered more. Apart from that I am very happy and satisfied with this card Reviewed on: 13th January 2023

Excellent Credit Builder

I have found Zopa brilliant in helping me build my credit rating. The app is simple to use and keeps me in control at all times. Reviewed on: 13th January 2023

Great company

Very easy and supportive process. Speaking with customer service is better than other cards as you can start a chat and return to it once you’ve had a reply, over wasting time being on hold over the phone. Reviewed on: 13th January 2023

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