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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)

Credit as it should be

From applying to managing your account at your fingertips Zopa has it all. With simple helpful ways to manage and look at your money and spending habits all from the app. The fact that a credit card also monitors your borrowing capabilities and advises you of what’s good and what you need to improve on is simply what we’ve been waiting for from any card company. If another company does do it. Then they aren’t shouting about it, it’s simple and effective and a job very well done! Well done Zopa! Reviewed on: 18th March 2021

Great company

I have had a good experience with zopa no problems and the app is so easy to use Reviewed on: 18th March 2021

Zopatatstic

Easy to use and pay app simple positive Reviewed on: 18th March 2021

Simple but Effective

Application process was a breeze and the set up once card arrived, even better. The app is the best out there with more and more new features added as time goes on. Fully recommend Reviewed on: 17th March 2021

Amazing for credit score building.

I got my Zopa card last year. Raised my credit score by 20 points in 3 months. Minimum repayments and very reliable company. I have already recommended to a few people!!! Reviewed on: 17th March 2021

Great credit card

East application I'm so pleased with it Reviewed on: 17th March 2021

Fantastic

Great service , very accessible , great app to monitor your account Reviewed on: 17th March 2021

Very good

Happy to be whit you and I will like to stay with you Reviewed on: 17th March 2021

Easy and affordable

I have had a really good experience easy, quibble free. Easy to manage app and straight forward to use. Reviewed on: 17th March 2021

Zopa credit card

Really good can pay instantly on it and is easy to use app. Also good security and you can't use contact less too often before it requests your pin again Reviewed on: 17th March 2021

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