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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

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4.86

Based on 44,353 reviews, last reviewed 20th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

75% 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

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 wind... Read more Reviewed on: 17th August 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 (44353)

Easy to use, but could improve support

I’ve been using the Zopa credit card for a few months now and overall I’m quite satisfied. The application process was quick and straightforward, and the app makes it easy to track my spending and manage payments. I especially like that everything is handled online, which saves a lot of time. On the downside, I think customer support could be a bit faster, and it would be nice to have more flexibility with credit limits. That said, it’s still a reliable option for everyday use. Reviewed on: 16th April 2026

I've haven't had any problems with the bank.

I've haven't had any problems with the bank. Reviewed on: 16th April 2026

Great, affordable and easy to apply!

Easy to apply, make extra repayments, affordable repayments and low interest rates. Great provider and wouldn’t go anywhere else! I also bank with them which makes transferring money so much easier to my credit card Reviewed on: 16th April 2026

I never have any problems,everything you need is str...

I never have any problems,everything you need is straight forward Reviewed on: 16th April 2026

I’m happy with Zopa!

I’m happy with Zopa credit card… It has helped me many times... I could use it in many ways.Thank you. Reviewed on: 16th April 2026

Great service

I've found zopa to be great very easy to use app and great customer service as well Reviewed on: 16th April 2026

It’s very good it’s not hard to apply for a card.

It’s very good it’s not hard to apply for a card. Reviewed on: 16th April 2026

very good service never had anything go wrong with t...

very good service never had anything go wrong with them Reviewed on: 16th April 2026

Only had card for couple of mths but interest rate i...

Only had card for couple of mths but interest rate is great very happy with zopa Reviewed on: 16th April 2026

Good to be with zopa, great app & easy to use, well...

Good to be with zopa, great app & easy to use, well informative & Good security. Thank you. Reviewed on: 16th April 2026

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