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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)

Fast and speedy service

Overall excellent quality fast and speedy service Reviewed on: 29th March 2022

Simple credit

I got the Zopa card to help with bigger purchases at a great payment rate. Very straight forward to sign up and navigate the app to check balance or make payments Reviewed on: 29th March 2022

Great customer service

whenevr i have any account queries the team are always fast to help and reslove any issues i may have. They also ask if there is anything else they can help with. i have been refused by many card companies but Zopa hasnt let me down. They have given me my freedom and they have trusted me. I use my card to help for emergency fundings if i ever need them, i can chnage my payment dates fast and almost effectivly which alot of other companies dont allow. Zopa overall is an amazing company Reviewed on: 29th March 2022

Zopa was one of the easiest credit card application I had. The fact that they just trusted me to know I will be a great client of theirs, is amazing! Thank you so much Zopa knowing

It was easy straight forward to apply. But the best of all is Zopa is always there for their clients. Reviewed on: 29th March 2022

Great service

I love that you can add a credit cushion so that you can cover unexpected bills and that I get updates on availability so I don’t have to check how much availability I have left it just makes it so much easier to keep track of my spending and saves me from any unwanted financial issues! Reviewed on: 29th March 2022

How a credit card should be!

Easy set up Quick turn around when receiving card User friendly app. Really happy so far! Reviewed on: 29th March 2022

Best so far!

Very happy with Zopa. Great app, easy to pay and keep an eye on expenditures. Definitely recommend. =) Reviewed on: 29th March 2022

Easy to manage with a simple straight forward mobile app.

The application process was straight forward and easy with the card arriving within a few days. The mobile app makes the management of your credit card easy to budget and manage ones credit. The service also comes up top trumps ! Reviewed on: 29th March 2022

The app is great!

Simple process quick and efficient! Reviewed on: 29th March 2022

ZOPA

Being of a poor credit history , I struggle to get any help , ZOPA took me on , no quibbles . It's nice to know that some worry was taken from me ( credit card for use in an emergency ) . They looked beyond my past credit history and are helping me to build it back up for a better future . Reviewed on: 29th March 2022

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