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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)

Clarity

Love the simplicity of the app, clear concepts with a good level of support and client based credit, never lend more than you can afford. Reviewed on: 15th February 2021

Quality . Easy to manage

Great app. Updates and budget features as standard. Reccomended.. Reviewed on: 15th February 2021

I'm looking forward for the future with your company

So good getting back by email and top class customer service Reviewed on: 15th February 2021

Easy and simple app to check statements and pay bills. Great staff too

Have nothing but great thing to say about zopa credit card and the staff are always on hand for any queries Reviewed on: 15th February 2021

A new credit card, which works for the working people

I came across Zopa, while trying to find an non main street, financial organisation, who would, give people a chance to re build or get on the credit ladder, updates explaining the utilization of credit card use, paying as little of as much and as often as you can afford to pay back, low rates, low interest, well worth a try to build or rebuild up credit ratings. I have had my card almost 2yrs now, was so happy to be accept, not a build limit given, a realistic limit, one that can be worked with for my financial status, informing regularly with financial updates and using my card. Thanks for working with the people and there circumstances. Reviewed on: 15th February 2021

Excellent efficient and efficacious!

A fantastic app which is clear and easy to use. Payments made are rapidly applied and recorded. I am seriously impressed!! Reviewed on: 15th February 2021

Amazing company

I would really recommend zopa for anyone who is trying to repair there credit report. I've only had zopa for about 4 months but my credit score has really risen. The app is simple and easy to use which makes life so easy. Reviewed on: 15th February 2021

The best

yes it is very good i appreciate your benefits Reviewed on: 15th February 2021

Great and easy to use

Lovely and competent controlled and clear and excellent service Reviewed on: 15th February 2021

Friendly and supportive

Brilliant customer service without any pressure. Good advice and sensible attitude. Reviewed on: 15th February 2021

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