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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)

Great experience so far

Not been with long but great so far Reviewed on: 29th March 2022

Stress free & friendly

Zopa was recommended to me by a colleague and I’m so glad I chose them. Their app is simple & easy to use, their customer service is super friendly & helpful, and they have a great range of options depending what you’re looking for. Also, they provide regular updates on your credit score/‘borrowing power’ and make recommendations, which I’ve found really insightful as I’m trying to build my credit score. Reviewed on: 29th March 2022

Verry good App

The Ap is very good and easy to use Reviewed on: 29th March 2022

I really like using Zoopa

I really like how fast I got my card from zoopa and how easy it was activated it. I wasn’t understanding something on the app and I called customer service and I felt really bad because they just get the same questions all the time. they were really friendly and helpful. Reviewed on: 29th March 2022

Very concise & clear

Every time I've had any interaction they are knowledgeable & reassuring,can't praise them enough. Reviewed on: 29th March 2022

Great service

East to use and straightforward Reviewed on: 29th March 2022

New customer so fare so good.

Easy and very simple to use Zopa online. Reviewed on: 29th March 2022

Very Good Online Bank

Fast service and very responsive 5/5 would recommend Reviewed on: 29th March 2022

Good card company. Easy to use

Easy to apply for, easy to get spending, easy to repay and clear information Reviewed on: 29th March 2022

Life saver!

This credit card is a life saver for me! After bad credit and wanting to build my credit rating zopa accepted me and it has honestly been a life saver! Reviewed on: 29th March 2022

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