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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)

Fair, transparent

App is easy to use understand. Clear application Reviewed on: 13th January 2023

Excellent credit facility

Online banking easy, contacting customer services is an easy process, delighted with my overall experience with Zopa Reviewed on: 13th January 2023

They are very good

They have helped me a lot and I would like to say thank you Reviewed on: 13th January 2023

Great app easy to use

Great provider ease of use and very phone friendly Reviewed on: 13th January 2023

Fantastic service

Zopa are a fantastic company that support and help you grow or maintain your credit rating for a better financial standing. Would highly recommend. Reviewed on: 13th January 2023

Excellent

Excellent credit card just what I needed Reviewed on: 13th January 2023

Responsible Lender

An excellent credit card. Easy to apply backed up by a very good app which is easy to use and has very good security features. The app itself is backed up by a very high quality customer service over the phone. I personally have had experience of this with a security issue that was sorted out by the operator in less than five minutes. Zopa also understands it's customers by never encouraging unnecessary spending and makes sure to offer a reasonable, responsiple credit limit. All in all a very good quality card and service. Reviewed on: 13th January 2023

Great service and App

Great from application to customer Reviewed on: 13th January 2023

Fantastic

Very easy to use app. I don't have a great credit history because of my wild younger days, but they started with a low limit and increased it when it was clear I can make regular payments, so it improved my credit score. The only down side is that I dont like carring cash abroad, or my bank card, and there is a charge for withdrawing cash on holiday. Reviewed on: 13th January 2023

Great service

Very easy great service everything you need Reviewed on: 13th January 2023

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