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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)

Excellent

Excellent card provided with outstanding reviews Reviewed on: 15th April 2021

No nonsense easy to use app

Very please with Zopa, gave me a chance to rebuild my credit where others did not! Reviewed on: 15th April 2021

Easy, simple & straight forward

Easy application, amazing app very easy to use! Reviewed on: 15th April 2021

Very easy to contact a pleasure to talk to

I need to build my credit and zopa is helping me do that Reviewed on: 15th April 2021

Zopa

Nice to have a visa card. Where others say no. You control how much you spend on it Reviewed on: 15th April 2021

Best credit card

Only credit card that I know advises when you make a payment within 2 minutes of your payment. Reviewed on: 15th April 2021

Simple

Simple clear and easy no hastle and staff are very helpful Reviewed on: 15th April 2021

The app is fantastic

The app is very easy to use it’s superb for saving money too. Reviewed on: 15th April 2021

Great in helping to my improve credit score

Wanted to improve my credit score and Zopa really helped with getting my score back on track Reviewed on: 15th April 2021

Zopa keeps it promise

Excellent finance options, fair rates and professional customer service The App keeps you updated Refreshingly positive Reviewed on: 15th April 2021

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