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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

Easy sign up and great app

Easy sign up and great app low rates Reviewed on: 29th March 2022

Good but improvements needed

Really good credit card. My only gripes are the actions to improve credit score seem rather opaque. It says I can't increase credit limit because my credit is lower than other users.... but that is only because I can't increase my limit. The one recommendation where it leads you to reviewing your benefit entitlement doesn't go away and is irrelevant. So largely very good card but some improvements needed on scoring but also the app. Reviewed on: 29th March 2022

Excellent service

It's so easy to pay for my gas and electricity on time Reviewed on: 29th March 2022

Very professional service

With Zopa I was able to rebuild my credit score. Very easy and professional service. Reviewed on: 29th March 2022

Easy, quick, no fuss

Using zopa is so easy, you have all information readily available at every stage. The app is simple and updates really quickly. Have not had any problems whatsoever with zopa Reviewed on: 29th March 2022

All round good service

Easy to manage account always very informative Reviewed on: 29th March 2022

John latimer

Everything explained clearly,always professiona and friendly.I would recomend Zopa always Reviewed on: 29th March 2022

Credit building card

Always been very helpful and helping me with my needs. Reviewed on: 29th March 2022

All we need

Great, easy and efficient, all we need in this correct time of our life’s Reviewed on: 29th March 2022

Easy app and card.

Very clear, visible and easy for use. The settings are helpful. Reviewed on: 29th March 2022

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