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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44353 reviews)

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4.87

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.

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)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

of note 10

it is reliable and very easy to use Reviewed on: 12th April 2023

Excellent

Very good interest rate, easy to use via mobile app. Reviewed on: 12th April 2023

Nice company and credit card

I like this card and company instant any query solution all of Reviewed on: 12th April 2023

Easy no fuss credit card

Zopa was an easy experience . The overall credit card application was no fuss and the time scale was good. Reviewed on: 12th April 2023

First-class customer services and care.

Extremely accommodating and understanding. Helpful beyond belief. Reviewed on: 12th April 2023

Great bank

Very easy application process, and i am very happy with the Zopa bank app which lets you see all your transactions and remaining balances. I took a balance transfer card and was impressed by how easy it all worked out.also at zero interest for 6 months. Very happy overall. Reviewed on: 12th April 2023

fab

easy to borrow. Reviewed on: 12th April 2023

Brilliant

Amazing rates andeasy to navigate Reviewed on: 12th April 2023

Fantastic service !!

Zopa provide a fantastic straightforward service, well recommended ***** Reviewed on: 12th April 2023

Fantastic card and great for credit building

Fantastic card, easy access to app and ability to manage payments and see balances. No pressure to increase balance, great for credit building. Instant credit top up when payments are made, don't have to wait several days to see this reflected in balance. Reviewed on: 12th April 2023

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