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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.

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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)

Easy App

Zopa is by far the best credit card I have, the app is so easy to use and offers advice on how to increase my credit score. Basically faultless! Reviewed on: 11th April 2023

Fantastic

Easy to use app, fast service and responses, use when I’m away on holiday and it’s perfect Reviewed on: 11th April 2023

Great bank

Very good would recommend to anyone Reviewed on: 11th April 2023

Easy to use and helpful when in financial difficulty

Very useful when in financial difficulties and was easy to apply. Very happy I was approved considering my credit score. The app is easy to use and easy to pay back. I only wish we can set it up in apple pay. Reviewed on: 11th April 2023

New Customer

The application to arrival of the card was quick and very informative. The app is the best I have on my mobile, with saving for a rainy day and detailed information all the way Reviewed on: 11th April 2023

Excellent service

Very fast and easy to use and excellent customer service skills Reviewed on: 11th April 2023

Straight forward

Straight forward application, card arrived quickly and when they said it would. App is solid and never had an issue and it also helps give insight on how to improve financial situation / credit score and there is zero pressure / selling of their other products which is nice. Reviewed on: 11th April 2023

Good honest company

Hi I applied for a credit card with zopa and they had no problems giving me a credit card even though my credit history isn't perfect so I will always think zopa for that they really are there for the people who need them well done zopa Reviewed on: 11th April 2023

Zopa

I'm Happy and like Zopa credit card. Reviewed on: 11th April 2023

Great service

Very good at letting you keep within your limit Reviewed on: 11th April 2023

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