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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

Perfect bank

Had great experience so far and they don't seem to rip you off and they are easy to contact if need be. Reviewed on: 29th March 2022

Good sevice

Brilliant service for a credit card, I use mine in emergencies, not had any issues and the repayments are fair. Reviewed on: 29th March 2022

Unbelievably reliable

Have a zopa card I have found it easy to manage it has a affordable limit and great interest rates there app is easy to us and shows you every aspect of your acount Security it at the upmost highest and I like that you can't see pins etc without verification that you are the acount holder Reviewed on: 29th March 2022

Brill

Easy to use and helpful, the bank is easy to deal with Reviewed on: 29th March 2022

Perfect for me

Have a low credit score and Zopa gave me a chance with a small credit limit to help improve my rating when other banks wouldn't Reviewed on: 29th March 2022

Perfect thank you

Very easy to deal with easy to get hold of perfect thank you Reviewed on: 29th March 2022

App easy to use

The application process was very straight forward. The app is easy to use and I can see where I stand straight away Reviewed on: 29th March 2022

Great cars

Zopa is a great card would highly recommend if you want to build your credit raiting, good look too Reviewed on: 29th March 2022

Simple

Zopa are such an easy company to sign up with, so easy to set up and use which is what we require Reviewed on: 29th March 2022

Bouncing back with confidence

Zopa is easy and sustainable to use . It helps build your credit , which helps you. Hold your confidence and bounce back after the pandemic. Sensible credit limits, easy to use app and easy to make payments I am very grateful to Zopa accepting me as it makes you feel like your back on track . After losing everything in 2014-15 due to my marriage breaking down to domestic violence I have had to work twice as hard to bring up my daughter and restart again. I am now trying to get a mortgage and Zopa has helped me out it’s my credit rating which has helped my mental health Thank you so much Reviewed on: 29th March 2022

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