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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

Brilliant

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

Great opportunities with this credit card

I am having a great experience with my Zopa credit card. Reviewed on: 11th April 2023

Never review credit limit, when others have increased it multiple times

They never increase my limit, unlike other companies have Reviewed on: 11th April 2023

Excellent company and amazing interest rates would highly recommend to anyone

I have love this credit card , and the interest rates. Amazing communication always get reminder email of dates when my payments are ready. Would highly recommend this credit card company. Have really helped me out. Reviewed on: 11th April 2023

Easy and quick to use the app and answering the questions

I am very happy with the company . They are very professional and covered everything that I needed. Reviewed on: 11th April 2023

Great product, easy to manage

Unlike other more well known credit providers Zopa are transparent, open and honest with their customers, along with providing a product which is simple to manage and understand. Reviewed on: 11th April 2023

A provider who cares

The credit cushion feature is great. You can allot a sum of your choosing to not be spent so you never go over your limit. Reviewed on: 11th April 2023

Excellent Service

Not a problem using their credit card service and no charges when used abroad is a big bonus Reviewed on: 11th April 2023

Best credit card

I have tried several cards in the past but have noticed that zopa credit card is the best so far. Love it Reviewed on: 11th April 2023

Very easy app to use and balance shows payments straight away.

Simple to use and very easy to understand transactions Reviewed on: 11th April 2023

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