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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)

Really Easy to Apply for

Easy to apply for and good service Reviewed on: 15th April 2021

Good service

Good service and good customer service Reviewed on: 15th April 2021

Helpful

Small credit limit, just enough to keep on top of it,easy payments plan, has really helped with my credit score Reviewed on: 15th April 2021

Review

I am happy with the zopa credit card so far Reviewed on: 15th April 2021

Great for building credit rating

Not had the account long but using it to build my credit rating. The app is easy to use and payments are instant which is great! Reviewed on: 15th April 2021

Brilliant service

Zopa is not just a credit card it’s a company that wants you to succeed which the update system to make it almost impossible to miss a payment and the friendly staff if any problems. Your not joining a simple company you are joining a family who wants to give you success Reviewed on: 15th April 2021

Amazing customer service

Absolutely flawless company and amazing customer service. Highly recommended. Reviewed on: 15th April 2021

Transparent, confident , easy

Really easy credit card to use , keeps you in control of your money , no nasty hidden extras . Reviewed on: 15th April 2021

Good service and was easy to get accepted

Good service so far and easy to use Reviewed on: 15th April 2021

If you need to be informed, you need Zopa

I started my association with Zopa for a car loan, I've since migrated to a credit card, I'm totally delighted with the way I am kept up to date with my spendings, I receive a text for every transaction informing me of my balance and such. 10/10 Reviewed on: 15th April 2021

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