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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 service

Excellent efficient service Easy to use Great customer service Reviewed on: 11th April 2023

Amazing service

Everything is fantastic in Zopa ,easy to use Reviewed on: 11th April 2023

Great credit card

The application process was easy, can easily monitor my credit card spending and payments on the app. Was offered a good rate of interest compared with other cards, I would recommend. Reviewed on: 11th April 2023

Thank you

They are helping people who have struggled a bit in the last few years to get there credit rating back up and that has to be a good thing. Thank you. Reviewed on: 11th April 2023

Easy to use

Web site very easy to use no hassle being a bit older I struggle with some companies site but Zopa was so eay Reviewed on: 11th April 2023

Good Service

No issue, with online app and account operations Reviewed on: 11th April 2023

Zope is a great help.

Very happy with Zopa, quick check and answer and low interest. Reviewed on: 11th April 2023

Top of the pile

Clear run and easy to work with. I have found this card company to be by far the best I have had before. Reviewed on: 11th April 2023

Happy I chose Zopa!

I’m not able to get some credit cards due to my credit rating but Zopa gave me a £500 credit limit & great APR rates straight away with no fuss, so I would highly recommend them if you want the best APR rates for a bad credit rating. Great customer service & App too. Reviewed on: 11th April 2023

Awesome company

Great App easy to manage.The application process was easy Reviewed on: 11th April 2023

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