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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)

Easy credit

Easy credit to manage with clear apr% rates and nothing hidden in the small print. Simple credit made easy Reviewed on: 16th April 2021

Happy customer

Very friendly and helpful staff I am very happy Reviewed on: 16th April 2021

Fast service

Great card very fast delivery of card and PIN Reviewed on: 16th April 2021

Simplicity

Does exactly what it says Reviewed on: 16th April 2021

It is a very straight to point credit card, fast and easy no games application.

Getting the zopa credit card was fast and easy for me, no games and unnecessary questions. Filled the application, straight away it was approved. One of my easiest applications ever. Reviewed on: 16th April 2021

Great

Even if you don’t have a great credit score they will try to help you out they pulled me out of a hole thank you Reviewed on: 16th April 2021

Brill

Excellent service and communication Reviewed on: 16th April 2021

Excellent

No hassle, great service! Brilliant people! Reviewed on: 16th April 2021

Great help with credit card

This is the first time I’ve used a credit card and they offered me a fair limit with easy repayments Reviewed on: 16th April 2021

Transparent finance

Hassle free credit, and boost your credit score at the same time providing you make payments on time Reviewed on: 16th April 2021

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