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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 service, easy access and informative.

I found The whole experience I’m real pleasure from very first applying to actually using the card. Excellent service with easy access online and no hidden charges. Reviewed on: 7th April 2021

New and Different

The zopa is a diffrent way of using a credit card it keeps you informed at every point it is used It is easy straight forward and all at your finger tips . I definitely recommend the card to friends and family Reviewed on: 7th April 2021

The bank to use.

Has always been easy to use and never had a problem with using online. Reviewed on: 7th April 2021

Gave me a chance when no other credit card company would.Thank you.

I got in touch with them.Told them my details and card arrived within 10 days. Reviewed on: 7th April 2021

Excellent helpful

Fantastic really helpful definitely recommend them Reviewed on: 7th April 2021

What can I say

Zopa gave me the chance to rebuild my credit when no one else would. Perfect for someone trying to repair their credit a* Reviewed on: 7th April 2021

Excellent

Would highly recommend Zopa excellent service and product very easy to use App. Reviewed on: 7th April 2021

Very happy with this service

Good service good quality and good service Reviewed on: 7th April 2021

My Zopa Experience

Applying for a Zopa credit card was a very straightforward process with an almost instant decision. The whole process was seemingly intuitive with a satisfactory response from Zopa at each stage. I was navigated to how to download the Zopa app and informed when my card would arrive, shortly followed by my pin. The app has since been my primary means of communication with Zopa providing me with instant information regarding purchase, payments and charges. These combined are some of the reasons why I would like to recommend Zopa. Reviewed on: 7th April 2021

Brilliant

Great experience with this credit card provider. Helping me to rebuild my credit. Customer service is excellent as well Reviewed on: 7th April 2021

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