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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44355 reviews)

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4.87

Based on 44,355 reviews, last reviewed 12th Oct 2026

96% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

A great card to have that can be accessed on their app. A great card to have that can be accessed on their app. Use alongside savings and a current account Reviewed on: 12th October 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 (44355)

A great card to have that can be accessed on their app.

A great card to have that can be accessed on their app. Use alongside savings and a current account Reviewed on: 12th October 2026

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 dozy site. Reviewed on: 1st September 2026

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

Excellent experience.

Excellent experience. Great credit card. Reviewed on: 20th August 2026

Bad Zopa customer service

The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough window time to wait everytime single time Reviewed on: 17th August 2026

very nice service i like zopa all service i love zop...

very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd July 2026

Excellent credit card I didn’t have any problems

Excellent credit card I didn’t have any problems Reviewed on: 21st July 2026

Zopa is a brilliant credit card company that deliver...

Zopa is a brilliant credit card company that delivers first rate highly professional advice and customer service.I highly recommend them. They tick every box! Nick Harris Reviewed on: 21st July 2026

Decent app-managed card, support needs to catch up

A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — responses come eventually but you're waiting days, not hours. I'll put it down to growing pains and hope they resource that team properly as they scale. Reviewed on: 25th June 2026

Upon applying for a credit card with Zopa.

Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 2026

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