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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)

Easy friendly and promt

Found this bank easy to access very understanding and helpful to customers always avaliable for advice and support. Reviewed on: 17th March 2021

Good credit card

Clean instructions and advices available online. Reviewed on: 17th March 2021

Quick and easy

Excellent company for all credit scores. Easy and quick to apply. Reviewed on: 17th March 2021

Love how much control I have...

Love how much control I have using zopa Reviewed on: 17th March 2021

So simple!

Simple use app with great service Reviewed on: 17th March 2021

zopa supports those with less favorable credit reports. I trust this company.

Zopa has been superb by supporting me in my simple act of correcting my credit report. It takes courage and commitment on both sides to enable this to happen. Company's like Zopa give you the chance and tools to clime the credit report ladder and prove the credit collaters wrong in their assumptions on you. By paying regularly it simply proves the report company's wrong and endorses the trust Zopa has placed in you. Thank you Zopa. Regards Brendsn Sykes Reviewed on: 17th March 2021

Excellent

Fantastic app that is easy to use Reviewed on: 17th March 2021

Yes would recommend

Excellent and easy to use and contact with any issues , reply very quick Reviewed on: 17th March 2021

Zopa, fair and easy!

Zopa were very fair and easy to me when i made my application. They took my financial circumstances which i admit werent in the best of shape and they, in my opinion at least, fairly assessed me and gave me a chance. Since then i get regular updates about my 'borrowing power' with regards to other Zopa products so that i know as things improve? More options will become open to me! Reviewed on: 17th March 2021

Efficient and reliable

The app itself is extremely efficient and rarely has technical issues. Reviewed on: 17th March 2021

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