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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

Simple

Good customer service and readily available information about all services Reviewed on: 29th March 2022

Worldwide

Really good card to use worldwide Reviewed on: 29th March 2022

A fabulous credit card

I’m happy that I decided to apply for a Zopa credit card as the app is very easy to use. A nice and up to date design with simple yet attractive colours. I’ve not had any issues with the company and their customer service agents are extremely friendly and helpful! I am happy to recommend them to family and friends as I feel secure using their services. Reviewed on: 29th March 2022

Fantastic

I am struggling with getting my credit score up and Zopa has giving me the best chance at being able to do this Reviewed on: 29th March 2022

Highly Recommend

I love Zopa helped me so much when I needed it most, Very reliable and always keeps me up to date with my statements & payments the app is very user friendly and simple! Reviewed on: 29th March 2022

No words other then brilliant

Brilliant,fantastic no thee words to describe this bank/credit card!! Along side the Zopa app it does everything you need statements,very easy to pay off outstanding debit on the card and the customer service is outstanding!!!I would definitely recommend Zopa for all your banking needs Reviewed on: 29th March 2022

Great for people with little or bad credit

Great for people with bad credit ratings easy to use and Reviewed on: 29th March 2022

Happy with Zopa

Happy with Zopa. Helped me in hard times. Thank you Reviewed on: 29th March 2022

Amazing bank to help people that need it the most

Zopa is brilliant, from the first sign up process to paying monthly and keeping track of your money zopa has it all. And it all works perfectly with no hidden nasties. Reviewed on: 29th March 2022

Excellent service

Customer service is very fast and helpful, and also the app is very easy to use would recommend to everyone. Reviewed on: 29th March 2022

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