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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 helps me out every month

Never had a problem customer service help me with with loss of my card happy to help and explain any questions Reviewed on: 29th March 2022

They are not time wasters

Straight to the point and app is very easy to use. Reviewed on: 29th March 2022

Great service highly recommend

Good for people with bad credit Reviewed on: 29th March 2022

Great credit booster

Amazing credit card that I use often helps me manage and raise my credit score in the app aswell as making paying of any credit easy as can be would definitely recommend to people as even with a low credit score to start woth you get a decent amount to use and build up Reviewed on: 29th March 2022

Very good

Have a credit building credit card with zopa and they have been brilliant in helping me achieve my goal Reviewed on: 29th March 2022

All you need

Fantastic service, quick decisions very easy to use, You get quick replies to questions and understand peoples needs thank you Reviewed on: 29th March 2022

Love the app

Card is easy to use and track having the app on your phone. Reviewed on: 29th March 2022

Spot on

Easy to know what I'm spending and Easy to back at any point using the Zopa app Reviewed on: 29th March 2022

BEST USER EXPERIENCE FOR CREDIT CARDS

I have recently signed up with ZOPA and I must say I’m very pleased with this credit platform. Seamless user experience,affordable rates,flexible repayment dates,fast transactions,responsible lender. I would say ZOPA it’s the Monzo of Credit cards,I congratulate them on their amazing platform. Reviewed on: 29th March 2022

Easy simple banking

I have the app which is very easy to use and has everything I need. I can self serve which is great and if I need to speak to someone they are on hand too. On the go, very professional and great service all round! Reviewed on: 29th March 2022

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