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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:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Top credit card

Good apr, good credit limit,easy to use app Reviewed on: 11th April 2023

My Number 1 credit card

This has got to be the best credit card I've owned and I own a few lol. The interest rate is fab, the app is easy to understand and use. I love the look of the card, it's easy to find as it looks so different from other cards. One of my favorite things about this card is the I can access my pin in the app (with so many cards and accounts it's hard to remember with pin goes with what card) Reviewed on: 11th April 2023

Was very good for me at the right time

Zopa credit balance card suited me very well Reviewed on: 11th April 2023

No problems whatsoever

Great card and great staff. Always someone to contact Reviewed on: 11th April 2023

Quick, easy and professional

Applied and got instant decision. Great app with lots of tips on responsible spending etc. Recommended. Reviewed on: 11th April 2023

Credit score

Zopa helped me start to rebuild my credit score while making sure I didn’t over spend,would thoroughly recommend checking them out Reviewed on: 11th April 2023

Brilliant Company

They are trying to retrieve money back into my account that has been scammed Reviewed on: 11th April 2023

GREAT CREDIT CARD

Having taken a credit card out, it has improved my credit score whilst I initially transferred a balance, I have used the card for purchases. The app is of great benefit so I can control my spending and pay off my balance. Reviewed on: 11th April 2023

Excellent service

Extremely user friendly and got approved in mins. I would recommend this credit card to all. Reviewed on: 11th April 2023

Excellent customer service

I have had excellent customer services when I have had to call about any enquiries relating my card Reviewed on: 11th April 2023

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