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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)

Robert9@

It’s always been very helpful to me Reviewed on: 25th January 2022

I needed a card which would help me build my credit score up I find it very helpful

I find it's good value for someone starting out the credit limit is reasonable its helped increase my credit score Reviewed on: 25th January 2022

Great

Great and efficient service. Easy to use app. Reviewed on: 25th January 2022

Stress-free credit

I’m very happy with Zopa. They have great customer service, and the built-in credit rating and automatic credit limit increases really help to make sure I’m staying on track. Would definitely recommend Reviewed on: 25th January 2022

great experience

I have had a great experience with Zopa. Reviewed on: 25th January 2022

Supportive and flexible

Zopa have been helpful in improving my credit rating. They provide flexible credit limits and work with you to manage your finances. Reviewed on: 25th January 2022

Amazing app and service

Such a user friendly app to have at your fingertips enable you to monitor your account anytime. Reviewed on: 25th January 2022

Outstanding service

Immediate SMS on purchase allowing me to track balance, immediate credit using debit card payments allowing instant purchases, light years ahead of the completion ( well 2 Days at least on payments and that is light years in my estimation ) Reviewed on: 25th January 2022

Great card, easy app to use

Fantastic credit card, great communication, very accessible app, great card and account Reviewed on: 25th January 2022

Great card and great help

Great help on the app with bills and credit score. Reviewed on: 25th January 2022

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