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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

Not bad

Not a bad card would recommend Reviewed on: 11th April 2023

Easiest credit I have had

Everything from the application process to getting the money has been such a smooth process. The app is brilliant and the communication from Zopa is outstanding. You constantly receive updates on your borrowing power and tips on how to improve your credit score. A super company that I would recommend to anyone! Reviewed on: 11th April 2023

Credit

I lost my cards shortly after recieving it, I rang customer service and they was nothing but reassuring and assisted me with a new card. Excellent service! Reviewed on: 11th April 2023

Satisfied with the service so far

Quick and easy application. The card was delivered quicker than expected and the rate is fair and they not quick to penalise you for missing a payment they just inform you of a rescheduled date they will collect the payment from your account. Reviewed on: 11th April 2023

Good card

It was quick and easy but thorough Reviewed on: 11th April 2023

Great APP. Easy to keep in control of your balance and finances

I applied for a Zopa Credit Card to financially get me through a short period of time after an illness. I pay my full balance back each month and find I can mange my money easily using the APP which is easy to log into, use and understand. A great helpful product for customers who may not have the best credit score and just needs someone to give them a hand and a bit of trust. Reviewed on: 11th April 2023

Excellent

Quick easy and reliable can't thank them enough for their help Reviewed on: 11th April 2023

Fantastic

Brilliant company easy to use the app is very user friend Reviewed on: 11th April 2023

Great service

The app is well laid out and very simple and easy to use. Great product Reviewed on: 11th April 2023

Sweet experience

Zopa is just lovely Reviewed on: 11th April 2023

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