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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)

Zopa is fab

First I had the credit card and a year later I had a zopa loan..love the App Reviewed on: 25th January 2022

Excellent hassle free service

Have been a client for 2years and have had no issues with Zopa. Very friendly to use app and user interface. Have recommended to friends Reviewed on: 25th January 2022

Montey5512

Easy and clear to use , no hidden charges Reviewed on: 25th January 2022

Excellent card

Zopa is a very easy to use card and app, always kept in the loop with all transactions and very helpful if need to get InTouch Reviewed on: 25th January 2022

Exceptional

My experience has been great with Zopa from getting a loan to a credit card and now to a saving account has been excellent. I love thier App one of the best banking apps i have used Reviewed on: 25th January 2022

Wrong personal information constantly on my " eligibility " section

I have had this card for nearly a year and I've had the wrong information on my profile and also eligibility page, Zopa think they are in the right when I have supplied multiple times evidence to show that it is mot myself nor Equifax but it is Zopa Reviewed on: 25th January 2022

Quick decision

Quick decision but slow to give credit increases when account is in permanent good order Reviewed on: 25th January 2022

Simple Clear, Clever

Best credit card out there I'm speechless Reviewed on: 25th January 2022

Fantastic Company

They are an understanding and fair company,. The website is a dream to use and I would highly recommend them Reviewed on: 25th January 2022

Great credit card company

Fantastic, applied online and was instantly approved even though my credit rating was very poor. App is very useful and understanding. They even check to see if your rating has changed every 2 weeks and they let you know Reviewed on: 24th January 2022

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