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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Great service

I had issue to get credit card previously but Zopa give me a chance to get it. Thanks Reviewed on: 29th March 2022

Great first time credit card

I found it easy to set up and easy to use as a first credit card. Reviewed on: 29th March 2022

Amazing Service

Excellent professional service would highly recommend to anyone Reviewed on: 29th March 2022

One of the best

I applied for a card and I got the card after 9 days. Bad experience no I called through to Zopa after 7 days and the operator was very good and sent out another card and advised he sent it first class. Using the card is very easy and one of the best features is the cushion cap which helps you manage your money better. Reviewed on: 29th March 2022

Loved it

I like the way they provide things to them who really wants it Reviewed on: 29th March 2022

Excellent

The application process was very straight forward. My account was open instantly and my card arrived within a week. Notifications are prompt and the app is very easy to use. Reviewed on: 29th March 2022

New Customer Review

I have had a good response from Zupa as a new customer, found their application process very secure with a good APR happy to recommend. Reviewed on: 29th March 2022

Great and convenient

I love it as its so easy to use.. never had an issue as a mum of 3 with 2 businesses speed is key for me and the app is amazing and super easy to navigate! Reviewed on: 29th March 2022

Great credit card

Great credit card friendly staff and helpful and flexible with payments when needed Reviewed on: 29th March 2022

I LOVE ZOPA

My credit score has never looked so good. Only had Zopa a couple of months but it's helped me so much! I recently bought a car on finance and the financial advisor told me I have 'the best credit score' for an 18-year-old he's ever seen. Thanks, Zopa you truly are the best :) Reviewed on: 29th March 2022

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