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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)

Amazing service

Zopa is the first credit card I got in the UK and everything with them is transparent and straightforward. They are supportive and let me the chance to improve my credit. Reviewed on: 29th March 2022

Zopa credit

Really easy to use and the app is very user friendly aswell great company. Reviewed on: 29th March 2022

First class bank

Very helpful, easy to use, customer service too class Reviewed on: 29th March 2022

absolutely brilliant

i am so happy with the service, everything has been simple and straight forward process and i love that i can save money in the pot to put towards things that i want. thank you zopa Reviewed on: 29th March 2022

Highly recommend. User friendly.

Having a Zopa Account has been very useful. Very good app and fast payments. Great customer service. Reviewed on: 29th March 2022

Zopa credit card

I found the application of the card easy and understandable. The receiving of the card was fast. Great app to use and the use of the card was easy from day 1 Reviewed on: 29th March 2022

Straight forward and simple

Signing up with Zopa was a very simple and straightforward process and the app is of excellent quality. Reviewed on: 29th March 2022

Very good

I can use every were in the world Reviewed on: 29th March 2022

Fantastic Service

I have been struggling with my credit rating for a while and jumped at the chance of applying for this. It was quick and easy to do, the card arrived quickly and the app is very easy to use. The alerts to advise what you have spent and what you have left are a great tool to keep an eye on your spending. Reviewed on: 29th March 2022

Super easy

Zopa was really easy to apply for I had a decision in minutes and card came really fast. The app is so easy to use let's me know how much I have spent and what I have left and when I need to pay by. Paying the card is really easy you can set up automatic payment dates or pay instantly through app. Really simple and been a great start for building my credit score. Would really recommend to friends and family. Reviewed on: 29th March 2022

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