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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

Easy to use good customer service Reviewed on: 25th January 2022

Apsoflogginlutely marvellous

I can’t thank them enough they were there when I needed them I didn’t have a fantastic credit rating but they took a chance on me anyway by giving me a loan I pay it back each month without fail and will be forever grateful for that thank you Zopa Reviewed on: 25th January 2022

Last Chance Saloon

Zopa offers its potential customers a chance to improve their credit scores whilst offering manageable credit limits. Often very low and rarely are increased much above £300 but at least its a chance for some to regain financial trust with future creditors. Reviewed on: 25th January 2022

Amazing services

Highly recommending to use Zopa services A++ Reviewed on: 25th January 2022

Easy to use

Very friendly with great customer service. Reviewed on: 25th January 2022

Excellent Company

Easy to apply, excellent customer services and overall the best decision I made when I signed up with Zopa. Highly recommend. Reviewed on: 25th January 2022

Fantastically easy

Extremely easy to use the app and pay your bill. No excess paper work. No Messing around. So simple Reviewed on: 25th January 2022

Great interest rate

Easy to use and does everything that a credit can be expected to do. Makes my previous cards superfluous Reviewed on: 25th January 2022

Very effective way of banking

I struggle with my credit but with the regular updates and Information, I’m able to keep up to date and on track to improving my credit score Reviewed on: 25th January 2022

Zopa is the futuristic way forward easy and affordable in every way

The brilliance with Zopa it’s stress free and easy and clear to manage specially with the app. Use and pay funds instantly Yes INSTANTLY funds appear back on the card within seconds.. it beats any other brand hands down and that’s the Zopa truth, I’ve even got my mother and sister on it it’s that impressive. Reviewed on: 25th January 2022

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