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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)

Simple and effective lending

So far been exactly what I wanted Reviewed on: 29th March 2022

Credit building

The app is easy to use and always on hand if you need help 5 stars Reviewed on: 29th March 2022

Good Credit card Approved

Zopa is a good credit card approved and I would recommend it to my family and friends. They customers service a very helpful. Reviewed on: 29th March 2022

Do you need to build your credit score

The Zopa credit card is there to help you build your credit score, with messages when you use it, so Zopa is helping you all the way. Reviewed on: 29th March 2022

Brilliant card provider

Great provider very helpful and they provide good information as to different services they do also very helpful with any questions there app is 100% never any issues with it top class well done Reviewed on: 29th March 2022

My review on my whole experience

I found Zopa easy to navigate. Its customer service is excellent , they are helpful approachable and I would definitely recommend them to friends and family Reviewed on: 29th March 2022

Great little car

Love this card and it’s accompanying app. Super simple to visualise/track spending. Options to limit/put way a chunk of credit for an emergency. I use this card and pay it off in full at the end of every month. It’s given me a surprising amount of peace of mind. Reviewed on: 29th March 2022

Really easy customer service via the app.

I had an issue with my address after applying and used the app to speak to customer service, I was chatting with someone with 5 minutes and it was easy and they were really helpful. Problem was sorted and updated. No waiting on the phone for hours like most companies. Really easy to make payments, love you fact it tells you when you spend on the card for security reasons. Would recommend this card. Reviewed on: 29th March 2022

Great, happy customer

Easy application, very good service. Nice company. Reviewed on: 29th March 2022

Great company

Easy to set up and very user friendly. Would highly recommend Reviewed on: 29th March 2022

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