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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

Good card

Zopa is a great card to get back on track with your finance. The interest is high but clear every month and it’s a great card and app Reviewed on: 11th April 2023

Great service

Very easy application and great service Reviewed on: 11th April 2023

Zopa so far has been great with better service. The app is easier to use as well. Thank you for the your service.

Zopa for me is a top notch beacuse it allows me to spend certain amount and fully flexible wit it. Reviewed on: 11th April 2023

Easy and stress free

Easy to use and navigate, really quick card delivery Reviewed on: 11th April 2023

Best credit card

Best credit card to have, they don't just up your credit limit they do checks before hand to see if you can afford it. Reviewed on: 11th April 2023

Credit card

Excellent card and you always get email telling you exactly what you have spent and where you spent it Reviewed on: 11th April 2023

Awesome

Highly recommend, spend it , enjoy it and pay it back Reviewed on: 11th April 2023

Holiday hero

When I was on holiday I couldn't use my bank card so I was so stressed but thanks to Zopa I was able to use my credit card pay what I spent using my bank app and I did this for my two weeks holiday and me and my family had a great time. never leave home without my Zopa Reviewed on: 11th April 2023

Abid Nazir

Outstanding and remarkable service that why I recommend to everyone to join Zopa Reviewed on: 11th April 2023

No hidden surprises- Excellent!

Zopa app is super easy to use, clear and easily manageable. Reminders of payment due without being pushy and has built my credit score up by over 200 since having it. Love the app…excellent!! Already recommended to friends and 2 now have one! Thanks Zopa Reviewed on: 11th April 2023

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