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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)

Great card

Easy to use, good all round card. Easy to navigate app with easy of payments. Reviewed on: 15th February 2021

Easy Peasy

So easy to use the app, use it, pay it, not worry about it! Great card to use, and gives me peace of mind too. Well done! Reviewed on: 15th February 2021

Easy and Fair

Very easy application, you are told before what your chances of being accepted are. No catches, you know what you are paying and the percentages are fair. Perfect for rebuilding your credit. Reviewed on: 15th February 2021

Best credit card

Best credit card of the year. Easy to manage with app, Reviewed on: 15th February 2021

A very good and easy-to-buy card, I would recommend it to everyone and my family as well

I use the card every day and I build a credit history. A very good card I can recommend to anyone Reviewed on: 15th February 2021

Great card and app

Easy process to apply. Great app really lets you control your spending. You can set a buffer for emergencies, it alerts you every time you use it. A lot of thought has gone into this. APR perhaps a little high HOWEVER I have a bad credit rating so not surprised. Reviewed on: 15th February 2021

Very quick and easy to apply

Very easy to apply and my card was received within 2 days. The app is very easy to understand Reviewed on: 15th February 2021

Great Credit Building relationship

Took this credit out to build up my credit, it was hassle free to sign up too and comes with the app so can see what and where your spending. All in all a great little card. Reviewed on: 15th February 2021

Helpful and simple

I love this card it’s really easy to use and interest free Bravo Vova Reviewed on: 15th February 2021

Excellent

Great card very happy with it had it for a few months now straight forward to use Reviewed on: 15th February 2021

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