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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 friendly borrowing

I have been using zopa for roughly 6months and its such an easy way to borrow money. The card arrived quickly after approval and the app is so so simple to use with all information at your finger tips. Reminders when you bill is due and gives you 3 options of payment which is great if some months you can't pay off your limit (something I consciously do to control my borrowing) My limit was roased but I was given the option to refuse it with not obligation to take it. I had a month to decide if I wanted to or not. Over all I would recommend zopa to anyone who has a low credit score and needs a little help. Great great service thanks Zopa Reviewed on: 25th January 2022

Absolutely fantastic Bank

So many options this bank offers you. Support is second to none. Wouldn't bank with anyone else Reviewed on: 25th January 2022

Excelent bank , great app and easy to use

So easy and effective, I feel in complete control over my money! Reviewed on: 25th January 2022

Support

Very supportive. I have never had any issues with my account Reviewed on: 25th January 2022

Easy going what everyone needs

Straight forward easy to apply great credit card Reviewed on: 25th January 2022

First Class Operation.

Great customer service.Easy to use apo and great security measures. Reviewed on: 25th January 2022

Yes.....

AMAZING......SUPER......RECOMMENDED...... Reviewed on: 25th January 2022

Excellent customer support

Easy application and friendly customer support Reviewed on: 25th January 2022

Easy and useful app

Zopa’s App is easy to use and the card is accepted everywhere with visa, I have had no problems at all, activating it was really easy and no problems using it and my credit rating has improved since having it which is why I got the card in the first place, I am very happy with it and the service provided with it. Reviewed on: 25th January 2022

Easy access

Fast service, friendly back office, Reviewed on: 25th January 2022

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