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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 App

The card comes with a real time app which lets you know exactly how much you have spent and have available Reviewed on: 17th March 2021

Easy breezy

Excellent credit card, so easy to manage. Has the best app to keep in control with your card usage. Reviewed on: 17th March 2021

Great for beginners!

Zopa has made having my first credit card easy, understandable and affordable. The easy repayments and notifications about my spending as helped me to start to build my credit score which makes it an fantastic credit card for beginners such as myself Reviewed on: 17th March 2021

Great app

App is very helpful and informative Reviewed on: 17th March 2021

Miss

Good explains about the card.......... . Reviewed on: 17th March 2021

Good company

Like the easy nice of this bank Reviewed on: 17th March 2021

Straight forward

This credit card is by far the best i make payments they clear almost straight away which is brilliant also allows you to have a safety net put aside its reasonable lending with clear terms and conditions and the layout of the app is straight forward decisions on being accepted was quick super happy Reviewed on: 17th March 2021

Quality finish

Easy to use. Simple app and easy to use Reviewed on: 17th March 2021

Absolutely fantastic service

Since signing up to Zopa it controls my spending and gives me a realistic credit level .Easy to apply for and really great to keep control of Reviewed on: 17th March 2021

Excellent all round

They are sensible with their lending, their app is easy to use and their communication is excellent. Reviewed on: 17th March 2021

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