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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)

Zopa are just so easy to use

No hassles, no problems just a great company to use Reviewed on: 17th March 2021

Great credit card!!

Online is easy to use and understand. Love the monthly review of my credit and whether I am able to get a higher limit Reviewed on: 17th March 2021

Easy to use, very straight forward.

Simple to understand, great app and not bad rates of credit. Reviewed on: 17th March 2021

Excellent!!

Great service, excellent app, couldn’t ask for more. Keep it up!! Reviewed on: 17th March 2021

GREAT BANK GREAT APP

I’ve found this bank to be customer focused and provide a great service Reviewed on: 17th March 2021

Great option

Zopa has been super easy to use the whole time I have been with them and their app makes keeping track of usage and payments super easy and simple Reviewed on: 17th March 2021

Great little card

Great little card if you are new to credit. Simple application process and a decent credit limit to boot. I would recommend this card to anyone. I am certainly looking forward to continued business with zopa. Reviewed on: 17th March 2021

Fantastic lender

I have always struggled to get credit since some silliness in my youth. Zopa set a sensible limit and put excellent tools in place to help me maintain control. The budgeting option allows me to keep £50 as a 'reserve'. I can also set a repayment amount and date which makes things easier. I find the 'pay in' option a lifesaver so I can pay my balance off on payday and know I am covered without having to pay interest. Reviewed on: 17th March 2021

Fantastic first time credit building card

Absolutely satisfied with Zopa and the way I've been treated as a customer Reviewed on: 17th March 2021

MR VIMALENDRAN SATHYENDRA

Great excellent brilliant service I will recommend to my friends Reviewed on: 17th March 2021

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