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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

Excellent

Good service from them. Even if you have bad credit they allow a little budget.. can only build on that .. Reviewed on: 11th April 2023

Good service on internet

Good service on internet but it takes a long time to get someone to answer the phone, I only need this card for when I'm abroad but if I have a problem I have nobody to contact Reviewed on: 11th April 2023

Super easy

All very easy and very good. Quick access to all benefits Reviewed on: 11th April 2023

Top quality service

Top service, great app, fast and efficient would highly recommend Reviewed on: 11th April 2023

Easy, convenient and very useful

Zopa has been really straight forward for the credit card that I needed to really help boost my credit score. I struggled to get credit for a while but with the Zopa app I find it so easy to pay more when I want to, and check my balances and keep an eye on my finances in seconds. Thanks Zopa! Reviewed on: 11th April 2023

Amazing services

Amazing fair and makes you feel in control how you spend and save, Reviewed on: 11th April 2023

Best credit card

Easy to apply, easy to use. Worth it Reviewed on: 11th April 2023

Quick and hassle free process of issuing credit cards

So far I have had fantastic experience with Zopa. Their process for enrolling a new credit card was very smooth and quick. I got the credit card within 48 hrs from the time I applied. Flexible billing/payment cycle. They have great customer service who respond to us instantly. Definitely the best.... Reviewed on: 11th April 2023

Like

Like this card..................... Reviewed on: 11th April 2023

Love the credit score updates

This card is great it comes with a very helpful 2 weekly condensed credit score according to how you are running your accounts. It demonstrates to me that Zopa are a responsible lender. So far they have been great and I have already told others about how impressed with Zopa Reviewed on: 11th April 2023

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