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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

Fine but cant transfer balances from Zopa to other provider

The app isn’t very intuitive and when my balance transfer promotional period was over, I wanted to transfer my Zopa balance remaining to another provider to take their offer. The attempt kept failing and I was told by Zopa via their online chat that they can’t accept balance transfers which was confusing to say the least as I opened the account via Balance transfer Anyway, it’s fine but that limitation means it’s low down on the list of credit card providers Reviewed on: 11th April 2023

Great service

Simple to use easy to apply App easy to use Reviewed on: 11th April 2023

Excellent product

Brilliant credit card,useage set up feedback and app is simple and easy to use would recommend this to everyone Reviewed on: 11th April 2023

Begin the new path

My credit history was bad but still Zopa take risk and give me a chance to build new credit platform so I highly recommend Reviewed on: 11th April 2023

Fantastic company with great service

Unreal company they are brilliant Reviewed on: 11th April 2023

Good

Very good service zopa bank My experience Reviewed on: 11th April 2023

Credit card application

Excellent company for credit card application and excellent app for payment Reviewed on: 11th April 2023

Affordable

Borrowing from Zopa is quite affordable, very detailed app to use, give you an explanation on how everything works. I would recommend it to anyone. Reviewed on: 11th April 2023

Great Credit Card

Really handy in helping my credit rating improve following my financial blip, thanks Zopa Reviewed on: 11th April 2023

Brilliant

Great card, great company. Excellent customer services. 5* Reviewed on: 11th April 2023

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