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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

Grateful for the card good to have

Enjoy my card and it's perks. Good credit card. Safe and secure Easy to use. And protected against fraudulent activities. Happy with my card Reviewed on: 11th April 2023

Highly recommend card

Excellent credit card everything is easily explained with no hidden cost or surprises and love the app makes it so easy to track spending and pay or the option of direct debit Reviewed on: 11th April 2023

Brilliant credit card!!

Easy and quick application, easy to use app with great features and excellent customer service! What more could you ask for! 100% recommended Reviewed on: 11th April 2023

Amazing

No hassle and amazing quick no hassle application even with my bad credit it was a worry hassle free process,would highly recommend to anyone Reviewed on: 11th April 2023

Easy, and simple, just like me!!

I had a terrible credit rating a couple of years ago, always dealing with cash and spending as I got it. I got the Zopa credit card and it's given me the preverbial 'kick up the a**' to sort it out. With the help of Zopa I am money cautious and nearly have saved to put a deposit on a house. The little step with Zopa, who send notifications and spending insights showed me where I need to improve. The app is easy and informative, and I am a lot more 'financially' fit, just hope my waistline follows suit! Reviewed on: 11th April 2023

Easy application

Amazing :) easy to apply .. and the app is easy to navigate Reviewed on: 11th April 2023

Brilliant

Nothing but professionalism, brilliant company! Reviewed on: 11th April 2023

Great

Zopa is the best bank for me I will give them 5 **** star Reviewed on: 11th April 2023

Ease of use

Absolutely fantastic card for set up and go, credit limit just right to let u purchase but not worry about repayments spiralling out of control Reviewed on: 11th April 2023

Helped me out

Helped me rebuild my credit score. Responsible lending with a small limit to start and advice on how best to increase my score. Reviewed on: 11th April 2023

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