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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)

Credit builder

Zopa credit card helped me build my credit and didn't keep increasing my limit until they thought that I could manage to pay it back . They asked me first if I wanted to increase my limit and checked again that I could afford the increase. Reviewed on: 22nd January 2022

Fantastic Customer Service

Gives chance and hope to those who are still building their credit history. Friendly and polite staff. Overall superb customer service Reviewed on: 22nd January 2022

Great product

Fantastic APR, innovative app, and realistic limit Reviewed on: 22nd January 2022

Amazing

Good rates and easy to use and clear application process Reviewed on: 21st January 2022

Excellent company

Excellent customer service and support easy to use app Reviewed on: 20th January 2022

Excellent credit card

Reasonable rates, good tech support from one of the UKs smallest and newest banks. Reviewed on: 18th January 2022

No limit increased

I didn't have good experience with Zopa. I got £200 credit limit when I opened the account with them and they never increased my limited in the past 8 months. My credit score was always good and I also got 2 other credit cards which offered me higher credit limits and increased after 4 months. It was very disappointing, so I decided to close my account. Reviewed on: 27th November 2021

Excellent

Never never I have problems with Zopa customer services peoples are brilliant to sorting out any problems very happy for the service Reviewed on: 3rd September 2021

Brilliant

Good card treat customer service highly recommended by anyone especially me get this card now you won’t be disappointed Reviewed on: 24th June 2021

Ideal went bankrupt 3 years ago and these were the first people to offer me a credit card of 200

Brilliant so easy to use. Download the app from playstore and your ready to use your card. Reviewed on: 14th June 2021

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