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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

Excellent product!!!!!!

So simple to use but yet such a perfect service. Reviewed on: 29th March 2022

Great never had any problems

Really simple to use the card and app. Can pay easily through app and a great apr rate best I have been offered. Customer service always friendly too. Reviewed on: 29th March 2022

Straightforward

Straightforward from application to use. Easy to use. Would recommend to all Reviewed on: 29th March 2022

Quick and easy

Easy to manage account with online access Reviewed on: 29th March 2022

The card that changed my life

Finally a company that gave me a chance even though my credit wasn’t ideal at the time. The service has been nothing but helpful and honest. I have now by paying my credit card on time see my credit improve drastically and I am under far less pressure. I would never of sorted myself out without my Zopa card. Would recommend to anyone that’s struggling to improve there credit ratings , the card is easy to use and people are so quick to help you if there are any issues . Thank you Zopa ! Reviewed on: 29th March 2022

App superb easy to use ad excellent quality

I've only been with zopa for a little while but my experience has been a good one so far. Thank you zopa. Reviewed on: 29th March 2022

Great credit card

Great credit card with a good app which is simple to use.You can also save with Zopa and take out your money at any time . Reviewed on: 29th March 2022

Best credit card / saving platform

Easy to use, instantly shows spends/ payments made to the card. Having options to have savings that earn interest, borrow and switch bills is incredibly helpful all in one app. Reviewed on: 29th March 2022

Fantastic

Great credit card perfect for everyone Reviewed on: 29th March 2022

Bloody fab

Top totty fab company superb incredible Reviewed on: 29th March 2022

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