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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)

Excellent

Great service, great customer service Reviewed on: 29th March 2022

Easy to use

Straight forward and legible. I can see what is going on and not bombarded with offers I have no interest in (excuse the pun) Reviewed on: 29th March 2022

Saved my life

Honestly a financial light at the end of the tunnel Reviewed on: 29th March 2022

Really good company and credit card

Zopa is very user friendly. I think it’s a perfect card to start off when you’re new to credit, also for people who need to build up their credit. The app is very nice and easier to navigate through, it’s not complicated nor is it just plain. I really enjoy using the card (in a sensible way of course!). The payment structure isn’t to dissimilar to others, but I just prefer the overall experience with Zopa. The application was really simple to. Applying for credit for people who are new to the concept can be quite intimidating, however the credit application with Zopa was very simple. For instance my girlfriend has never applied for credit because some of the applications look “scary” in her words, however when I showed her the application stage on Zopa when I applied, she said it didn’t look as “scary” as the other credit application she’s looked at. My overall score is a 10/10 for me! Reviewed on: 29th March 2022

Great

Gave me a card when refused by others but still a reasonable apr Reviewed on: 29th March 2022

Straight forward and helpful

Zopa makes it easy to manage your finances and to get help if and when you need it. The app is customer friendly and zero fuss. Reviewed on: 29th March 2022

Excellent service

Excellent service, friendly staff, very helpful Reviewed on: 29th March 2022

Zopa are great!

My card came really quickly and the app is so easy to use. No issues so far and don't envisage any either. Good luck Zopa! Reviewed on: 29th March 2022

Zopa is very good, the app is very convient you can keep track of everything and notifications come through on every transaction.

Since I have had the card, it's very easy to keep track on my transactions and spending. Highly recommend Zopa. Reviewed on: 29th March 2022

Quick & easy

Very easy to apply, no fuss, highly recommended. Reviewed on: 29th March 2022

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