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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:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Homeworker

Quick and low interes... easy to use app Reviewed on: 11th April 2023

Best credit cards to date.

The card came very quickly and was ready to use right away. Thank you very much for the card. Reviewed on: 11th April 2023

Excellent product and service

Despite having a poor credit rating Zopa have excepted me for a credit card which is helping me to build my rating up again. Thanks Reviewed on: 11th April 2023

Excellent Credit Card Company

I applied and was given instant answer easy to set up the account via the app. Clear credit limit and after 6months given option to increase if I wished . Clear updates on spending easy options on payments via the app. Excellent company. Reviewed on: 11th April 2023

Awesome

Very fast credit increase! Reviewed on: 11th April 2023

Zopa card

Easy to use comes with a good app with lots of clear and concise info Reviewed on: 11th April 2023

Simply the BEST

everything is easy to use. The best offer on the market Reviewed on: 11th April 2023

Absolutely fantastic

I had been struggling financially and needed something to get me through and build up my score again I found Zopa on a random search and never expected to get accepted It’s been great the min amount each month is manageable I would highly recommend Reviewed on: 11th April 2023

Amazing

Simple and easy to apply for and quick to decide and supply the details with a manageable credit limit, amazing service Reviewed on: 11th April 2023

Easy to apply

Easy to apply helpful customer service and very easy to understand in keeping your usage low rather than up to the limit.... Lees is more as they say.. Reviewed on: 11th April 2023

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