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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)

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

Ease of use

Zopa is easy to use and has a good minimum payment that is affordable for everyone. You can also select when you wanna make payments any time which means you can never fall behind on payments and that’s good for your credit score. Excellent credit lender Reviewed on: 13th January 2023

Fantastic!

Easy to use credit card, and everything is managed through the app! Reviewed on: 13th January 2023

Essential

Best credit card supplier I’ve used. Reviewed on: 13th January 2023

100%

Easy apply for credit card and application is good Reviewed on: 13th January 2023

Easy peasy without the credit sqeezie..

Great overall experience dealing with Zopa for a multitude of things. Really reliable and respond in a quick and timely manner. Easy to talk with and always on hand should i need assistence Reviewed on: 13th January 2023

Fantastic card

Fantastic company always really helpfully when you get in touch with them Reviewed on: 13th January 2023

Just Great :)

All about useability for me. Extremely easy and transparent app. Good visability of balance and easy to use and make repayments. Reviewed on: 13th January 2023

Great company great product

Love this card for rainy days and great company to deal with Reviewed on: 13th January 2023

Credit card

Zopa is an excellent way of building your credit easy to speak can’t be happier Reviewed on: 13th January 2023

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