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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

Best card ever

Fantastic applied for this because my wife had one got accepted straight away Had an unfortunate experience so could not pay it one time they did not chase me or hassle me in anyway just offered me help now sorted brilliant Reviewed on: 13th January 2023

Fantastic credit card!

Zopa are fantastic all round credit provider, the credit card I have has been easy to use and easy to view my balance on the app. I’ve experienced no issues or problems, which is great I would highly recommend Zopa to friends and family Reviewed on: 13th January 2023

Easy and online platform is amazing

I love how open they are - % available at the click of a button, best online platform I’ve used! The borrowing power too is an added bonus! Reviewed on: 13th January 2023

Great app, Hassel free

Using the app is so easy, instant update on balance when payments are made Reviewed on: 13th January 2023

Brilliant company

Great service no hassles always helpful Reviewed on: 13th January 2023

So easy!

So easy to set up and to use! I have been using Zopa for a couple of months, and for someone like me who only recently moved to the UK and was not used at all to using credit cards and credit scores, this is a great way to get started. Reviewed on: 13th January 2023

Quick and easy to use

The card is easy to use I’ve used it with no problems. The app is also easy to use. No problems paying my bill Reviewed on: 13th January 2023

Easy peasy

I wasn’t sure i would get accepted for a Zopa credit card but I applied and got accepted and since then on it’s been great, I downloaded the app and it’s super easy to pay your monthly instalments and straight forward. Reviewed on: 13th January 2023

No hassle, no fuss, just perfect!

Simple, straightforward! You feel respected when you apply! Other banks you feel you are asking for the heavens! Well done Zopa. Reviewed on: 13th January 2023

Good

Very good experience and easy to use the application Reviewed on: 13th January 2023

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