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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)

WHY CHOOSE ANYONE ELSE

I have been with ZOPA for a while now and hand on heart they are the easiest to deal with the extras you get and all the helpful advice on credit building, the App is brilliant love them to bits... Reviewed on: 7th April 2021

Reasonable borrowing terms

Very much helpful and gives borrowers the flexibility to make payments according to your status and very affordable Reviewed on: 7th April 2021

So easy !

Quick approval and card sent straight away Reviewed on: 7th April 2021

Omg need another one

It is easy to use and they keep u updated wot go out too Reviewed on: 7th April 2021

Great card

Highly recommend this credit card. It’s great to have, super handy and comes with great extras. Even sends me a text when I use it! Fabulous company. Reviewed on: 7th April 2021

Easy to use, friendly credit card company

Not had my card long, but it has been a faultless service so far. Easy application and easy to use app. Reviewed on: 7th April 2021

Fab company

I have both a credit card and loan with Zopa. The whole process was simple, straightforward and easy to manage! Setting everything up was brilliant and the app to check my accounts is so easy to navigate. Wouldn’t hesitate to go with Zopa. Reviewed on: 7th April 2021

Great cc

Helping boost credit score!!!!!!! Reviewed on: 7th April 2021

ZOPA is the new generation of credit card

Excellent service, the APP is so simple to use, whether you want to set up automatic payments or one off payment. It's so easy. Reviewed on: 7th April 2021

Fantastic

Fantastic service easy to use app Reviewed on: 7th April 2021

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