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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)

Thank you

I found applying for my loan and credit card was quite easy and staff handling queries were good at responding . I found Zopa a responsible lender. Reviewed on: 10th April 2021

Highly recommended

Easy to use app,informative,no problems Reviewed on: 10th April 2021

Excellent service

Love it great service, customer service is so quick to sort out your query Reviewed on: 10th April 2021

New Company so yet to be fully tested

Everything about this card is good although the APR could be better. That said I found the application process, account and app set up quick easy and very manageable. As my review title says though Zopa appears to be a brand new company so has yet to prove how good they are with other aspects of the account, customer service and how helpful they may be should things go wrong. To date though Zopa seems like a good company. Reviewed on: 10th April 2021

Great credit card provider , great rates and good customer service.

I was accepted with good rate despite not having an excellent credit. Reviewed on: 9th April 2021

Awesome service

They are the best for people who need to start their credit or ones with poor credit. Reviewed on: 9th April 2021

efficient and proffassional

fast and no issues. credit limit starts off low but this is the best way Reviewed on: 9th April 2021

Aplication

First time on this platform, but good so far Reviewed on: 9th April 2021

ZOPA

Great service and great product in combination with a very generous credit limit, makes ZOPA the right card to have. Reviewed on: 9th April 2021

Excellent

Since been with zopa iv had q great experience,fast answers easy to get accepted and no problems with the app,everything is easily explained and basic to use so you can control payments securely through the app Reviewed on: 9th April 2021

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