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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)

Great company.

A very helpful company to deal with. Keep you well informed and up to date with all my transactions and payments.The app is very straight forward and so easy to use even for an old person like me. Reviewed on: 11th April 2023

Amazing company

Easy application and quick decision in minutes the app is second to none absolutely amazing company highly recommend Reviewed on: 11th April 2023

No hassle

Good quick reply with no hassle leading to stress free credit with no hassle phone calls thank you Reviewed on: 11th April 2023

Already signed up the sisters!

The app is fantastic for managing your money! It's easy to set spend limits and interest is clear and concise. Highly recommend for people trying to build Credit like I am. They use the new Credit Cards so you can easily customise stickers from ebay and have your own photo on your card :) Reviewed on: 11th April 2023

Very recommended zopa !!!!

Yep, recommended!!!! Amazing zopa!!!! Have all the best in future Reviewed on: 11th April 2023

Great credit card with customer in mind

Fantastic credit card with good rates. Always happy to help. No charge when you use it in Europe so brilliant for when your on your travels. Reviewed on: 11th April 2023

Exellent

Never had any issue with them always been great I’ve been with them 3 years Reviewed on: 11th April 2023

Prefect

My experience with Zopa has been nothing better than perfect it was an easy application, no pressure and they were helpful. The app is easy to use and clear, repayments are clear and explained. Payments are not delayed and easy to make. I couldn’t be happier as this account is helping me rebuild my credit history and gives me piece of mind for emergency No pushy sales pitch or calls simply perfect experience Reviewed on: 11th April 2023

Best service out there

Easy simple credit card providers online account simple and easy to understand no hassle phone calls no endless emails if carlsberg made a credit card company this would be it! Reviewed on: 11th April 2023

Brilliant service.

Brilliant service and always keeps you informed on what's going on. Reviewed on: 11th April 2023

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