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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)

Perfect card for anyone

Is easy to use, payments go in and come out almost instantly, the safety net is a great ,allowing you to keep spare money for emergencies plus you don't over spend with it .Its a great card to help with credit rating and the customer care is top notch , thumbs up all round !!!! Reviewed on: 17th March 2021

Quick smart bank

Quick application..quick decision and kept up-to-date especially like when they confirm purchases Reviewed on: 17th March 2021

Low limit but great communication

Very low credit limit but on a great note pay on time it's in your account and communication is fantastic Reviewed on: 17th March 2021

Excellent

Helped in time of need excellent service Reviewed on: 17th March 2021

Easy to setup, fantastic app

Very easy to open my account, and the app is much better than any other cards I’ve used Reviewed on: 17th March 2021

The art of user friendly

From application to acceptance my Zopa experience has been nothing short of superb. They are easy to deal with, have affordable limits and the app saves a lot of time. I would recommend a Zopa card to everyone. Reviewed on: 17th March 2021

Excellent Choice for Credit

Excellent service all round really good for my credit score Reviewed on: 17th March 2021

Great credit provider.

I am very satisfied with Zopa’s approach to providing credit. They manage your credit very efficiently and the app is very easy to use and understand. Highly rate Zopa has a credit provider. Reviewed on: 17th March 2021

Easy to use and keep track of spending

Love that it keeps me up to date with spending and payments Reviewed on: 17th March 2021

Brilliant

Excellent service always keeping me informed easy to follow Reviewed on: 17th March 2021

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