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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)

The best credit card ever

It has the best app and the credit card is awesome Reviewed on: 29th March 2022

Easy to get when low or no credit score

If you are in the UK, have no or low credit history then this card helps to build good credit score. I recommend it. Reviewed on: 29th March 2022

Amazing service

I am over the moon with the service I receive from Zopa from the app to customer service it’s amazing. Reviewed on: 29th March 2022

Very happy

I was very pleased as a new customer to how it was from applying receiving and using this card and the app is very easy to use and make payments I’m really happy as a customer and knowing I’m rebuilding my credit score using this card too is so exciting. Reviewed on: 29th March 2022

Easy no hassle

Very straight forward to apply , love the app you can see exactly what you spend and also easy to make a payment through the app. would highly recommend Reviewed on: 29th March 2022

Good

Easy to use and very happy with zopa app and the service provided Reviewed on: 29th March 2022

100%

Easy & no fuss great ppl to work with. Reviewed on: 29th March 2022

So easy to use

Love the fact you have the app and control spending and easy repayments it’s Genius definitely recommend Reviewed on: 29th March 2022

Brilliant

Zopa is and absolutely amazing credit. The team that works with helping you with any difficulties you may be having are great and really have time for you. It would mean a lot to me to win this 1000 pounds Reviewed on: 29th March 2022

10 stars

Good app and easy. Recommend to all my family Reviewed on: 29th March 2022

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