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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)

Friend in need

Timely help . ..swift and easy user friendly process. Straight forward customer service experience and easy online up to date account view Reviewed on: 17th March 2021

Great company

Very easy application process and the app is brilliant and makes it very easy to manage your account.would definitely recommend. Reviewed on: 17th March 2021

Simply does it

An easy, efficient and smooth process to be up and running with this new Zopa credit card, it couldn't have been easier. Complete with phone app and notifications, it's doing exactly what it says on the tin! A very satisfied customer Reviewed on: 17th March 2021

Second chance

My financial hardship started when my husband lost his job after 11 years, no financial payout, with too young children, l had to work full time, sorting our finances out, bank transfer which had just been introduced was the option chosen Given the year the financial chaos all sound great nothing to do the bank sort it, not mention in this bank transfer the facilities weren’t like for like, would be assessed after 6mths, the start of our financial nightmare, to try to replace my husband wage, payday loan, door step loan, where the new thing, shops apply on line, worked for a while, until paying back the interest was mid leading, financial ombudsman had to intervene, re mis sold credit, ppi. With all of the above issues, not a big amount of disposable income, poor credit status, would have no chance with the high street banks by checking online, came across Zopa think the add mentioned a card for the people, so l applied not expecting to be accepted, the result came back, no way l said £400 credit limit accept, this was my second chance to rebuild my credit score, which today plays such a big as to who will lend you money to improve your life, such a handy card, easy payments updates, tips to help save too. Thanks has made a difference Reviewed on: 17th March 2021

Love zopa

100% recommend zopa great app,easy to use everything upfront and straightforward x Reviewed on: 17th March 2021

The best

Thanks your amazing and I will be using u g do or years to come Reviewed on: 17th March 2021

Good no nonsense bank

Easy to use with no rubbishy jargon! Reviewed on: 17th March 2021

Easy Application to complete and good customer service

ZOPA has helped me immensely to improve my credit score and is an extra safety net should I need a little help before pay day...would highly recommend 100% Reviewed on: 17th March 2021

Good service

Fasr credit card,easy and beter credit reatibg Reviewed on: 17th March 2021

Great card

Easy to use great app and would recommend to anyone Reviewed on: 17th March 2021

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