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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)

Excellent

Very good service, the app is very easy to use, Great card to build credit back up Reviewed on: 11th April 2023

Great provider

Great service give you a chance. Reviewed on: 11th April 2023

Very Satisfactory

Zopa's credit card experience has been a smooth one with customer-friendly regulations. The App is very easy to understand. Reviewed on: 11th April 2023

Best

Confident,really best,easy to apply and very helpful. Reviewed on: 11th April 2023

The best choice for a poor credit rating!

Everything about Zopa is great including their easy to use app & the APR rates are better than most other cards when you have a bad credit rating. Reviewed on: 11th April 2023

Regardless of credit rating

Zopa has been great! Good app, easy and clear to use, manage your card, transactions and make payments. Low interest rate, even for the not best credit rated clients, like myself! Always touching base with their clients, always there when needed! Thank you! Reviewed on: 11th April 2023

Absolute trash of a company

If I could vote 0 I would.selfish company once I clear my credit card with them I’m out Reviewed on: 11th April 2023

Very helpful

I have found Zopa to be very helpful and not pushy and if I have had a problem making a payment they were very understanding and quick to help Reviewed on: 11th April 2023

Recommended and will recommend

Excellent communication and service provided. Reviewed on: 11th April 2023

Fantastic Credit Card Provider

Not only do they offer brilliant customer service, but they have an easy app to use which makes using my credit card so much easier and I can keep a track on my spending. Best provider out there! Reviewed on: 11th April 2023

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