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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 service

No complaints, Great service, easy to use app. Reviewed on: 29th March 2022

Love Zopa

Love Zopa - brillaint service and app. So easy to manage your money, build your credit score without any fuss. Saving you time and stress!! Reviewed on: 29th March 2022

Responsible lenders

Very responsible lenders, they don’t credit you too much beyond your means and their interest rates are reasonable Reviewed on: 29th March 2022

Very easy to access and quick response

Helped me out in difficult time. Very speedy response. Reviewed on: 29th March 2022

Brilliant - simply brilliant

Their app is so easy to use, straightforward and very user friendly. The help section actually has topics that you might need help with and not just a page of topics that no one has ever needed help with before. Making payments is easy. You can always see what you owe, what payments you have made, it really is that easy and simple. Reviewed on: 29th March 2022

Effective, efficient

Such amazing services all throughout. Quick to receive a card. Low interest. Reminders. Easy to use. What’s not to love Reviewed on: 29th March 2022

Really good

It’s great and easy to use. Really recommends Zopa as a good reasonable credit card Reviewed on: 29th March 2022

ZOPA best credit card around

I love the ZOPA card and team, very friendly and so easy to set up, great app too Reviewed on: 29th March 2022

Positive borrowing experience

Easy to use and clear charges structure Reviewed on: 29th March 2022

Easy to use

Been a great and reliable service Reviewed on: 29th March 2022

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