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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.

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

Good credit card, helps build credit rating

Have had no problems with this card. The app is easy to use Reviewed on: 11th April 2023

Quick, simple and reliable.

I cannot fault Zopa from application, to making payments and obtaining help when I lost my card, it has all been seamless and hassle free. Reviewed on: 11th April 2023

Great trustworthy and helpful company

Was there when I needed them and has been ever since Reviewed on: 11th April 2023

Super Zopa

Online application easy to follow, quick decision given. Online app is clear and always provides helpful information. I really enjoy using this company and would definitely share my experiences with others Reviewed on: 11th April 2023

Excellent service from the friendly team

The team are very friendly. Most things can be done online with ease. Reviewed on: 11th April 2023

Should be listed from best five credit card providers

I felt zopa is should be listed to the top 5 best credit card providers its just because of the easeness in their service and the app. No hidden charges, reasonabl interest rate, lots and lots of offers for their customers. Reviewed on: 11th April 2023

excellent

My experience with zopa has been excellent would definitely recommend zopa to my friends and family Reviewed on: 11th April 2023

Belief

Through clear score was offered Zopa. Having been through an IVA and needing to revuild my life as well as a credit score. I can safely say that Zopa have been a joy to deal with and how amazed I have been with them. For the 1st time in years I feel like a human again thanks to them Reviewed on: 11th April 2023

Up front no hiding agendas

Straight forward and up front account no hidden fees or anything Reviewed on: 11th April 2023

Very good and easy to manage on the app

Very good app very good service easy to make payments Reviewed on: 11th April 2023

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