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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)

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

Reliable, convenient, fantastic

Hands down one of the best companies to bank with Reviewed on: 29th March 2022

Tip Top service

Excellent customer service,,had a problem and was sorted within minutes and Zopa comes highly recommended by me . Thank you and keep up the good work Reviewed on: 29th March 2022

Amazing

Fantastic experience having a credit card with Zopa. Quick and easy to set up and understand x Reviewed on: 29th March 2022

Efficient customer care

Zopa customer care service is prompt and ever willing to assist. Reviewed on: 29th March 2022

Excellent

Very good company great all round service Reviewed on: 29th March 2022

Excellent way to improve your credit rating

Quick and easy to use and pay texting paying amounts super card Reviewed on: 29th March 2022

Excellent service

After being refused credit cards previously Zopa gave me the chance to improve my credit rating Reviewed on: 29th March 2022

Great card and look after you fantastic

Wonderful experience looking after you from the start fabulous card Reviewed on: 29th March 2022

Zopa credit card

Easy to use, great customer service. Reviewed on: 29th March 2022

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