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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)

Almost perfect!

I’m happy so far but if in the future Zopa credit card can make a balance transfer will be the best! Reviewed on: 11th April 2023

Mu used credit card the best Zopa credit card only

Service very nice and quick Response customer service Reviewed on: 11th April 2023

Brilliant easy to manage credit

Zopa card and its app are brilliant, very easy to use and informative with excellent customer service Reviewed on: 11th April 2023

Great card

Very happy with this card and great value on interest free balance transfer rate. Reviewed on: 11th April 2023

A great card for managing my money whilst improving my credit rating.

ZOPA provides a great service by allowing me to manage my credit without going above my means and improving my credit rating. The communication is excellent with timely notifications and reminders, in addition to a user friendly and comprehensive mobile app. Very impressive and responsive services. Reviewed on: 11th April 2023

Quick and painless

Incredibly easy application process with not only a guarantee of acceptance but a guarantee of my purchase and more importantly balance transfer limit and offer. All done through the app and card recieved in a couple of days. Balance transfer process was super simple and really quick and nice to save a few quid. App if user friendly with loads of great stuff in it. Reviewed on: 11th April 2023

Very user friendly

A great option for building my credit score Reviewed on: 11th April 2023

Perfect

Good company. Good site. Good grief - why didn't I find them sooner! Throughly recommended. Reviewed on: 11th April 2023

Smooth and easy

It was really easy to apply and once I got accepted, I received some really useful emails, that are relevant to more than just this card. I certainly have the impression so far that this is a customer focused company that puts satisfaction first Reviewed on: 11th April 2023

Is the best credit card

I love so much this credit card I think Zopa is the best company for that Reviewed on: 11th April 2023

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