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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 credit card I have ever had

I have been with Zopa for a couple of years now. The app is easy to understand and interest charges aren't too high. Reviewed on: 13th January 2023

Excellent All Round

Excellent to deal with from start to finish. Reviewed on: 13th January 2023

Easy, Quick, Amazing

From start to finish quality product and app so easy to use! fab! Reviewed on: 13th January 2023

Less likely to recommend

That's the only card I hot that never change my credit ratings. Reviewed on: 13th January 2023

Caring credit care excellent

Couldn’t fault. Very pleased with this card Reviewed on: 13th January 2023

Best among the rest

It has been over two years since I switched to a Zopa credit cart; previously, I had another provider. Since I had a Zopa credit card, I didn't need another credit card. As a result of my spending and needs, the balance increased without me applying for an increment, and the support team responded quickly and solved the issues effectively and efficiently. Reviewed on: 13th January 2023

Easy to apply and great at making sure you stay within your li.its and providing other services

Absolutely amazing rank you zopa Reviewed on: 13th January 2023

Credit card

I would highly recommend Zopa quick and efficient and app is easy to use and straight forward Reviewed on: 13th January 2023

Easy and open

Works well, goes without saying you need to keep on top of it Reviewed on: 13th January 2023

Credit Builder Card

Excellent experience so far only had my card for just over a year fair credit limit to start which has been increased . Great app on iPhone Reviewed on: 13th January 2023

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