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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

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4.86

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)

Fantastic Service

Brilliant to use abroad... no fee's !!! I have been very impressed Reviewed on: 11th April 2023

Fantastic financial service

Dug me out of a hole,with advice and made cash available without pressure to borrow more than needed kept me to a budget Reviewed on: 11th April 2023

Fantastic effeciant and reliable flexible friend

Friendly staff goo communicator, very helpful Reviewed on: 11th April 2023

Simple, straightforward, no hidden fees

Zopa is the easiest company to deal with they have been fantastic from the start Reviewed on: 11th April 2023

Good company

Never had any problems very satisfied Reviewed on: 11th April 2023

So easy to set up

Money was there when I needed it. All so very easy to apply and set up Reviewed on: 11th April 2023

My Little Friend

The card has easily repayable limits & is accepted everywhere. Competitive APR makes this my Must Keep credit card. Reviewed on: 11th April 2023

Zopa is amazing

My experience is good with the company Reviewed on: 11th April 2023

Great modern credit card and account

From start to finish my initial Zopa experience was excellent. Easy to apply, card arrived within two days and the fresh app set up was simple to use and navigate. Excellent notifications when the card is used, modern and innovative, Zopa is excellent Reviewed on: 11th April 2023

Brilliant banking experience

I have never had a problem with Zopa. I am kept upto date through email and the app which makes it easier for me to keep track of my banking usage. Their customer service is amazing, very quick and reliable service. Reviewed on: 11th April 2023

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