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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 service

This is my first credit card which was approved despite my poor credit history in the UK . It has been very helpful to build up my credit score and will continue using . Reviewed on: 11th April 2023

Great company, amazing customer service.

They made everything so simple when choosing my card and also advised everything so clear including apr and credit limits / increases. Fantastic company Reviewed on: 11th April 2023

Vote

Been great so far, helpful when I lost my card Reviewed on: 11th April 2023

Smooth and speedy service

Recently had to consolidate various debts and have been saved by Zopa. Thanks for your help. Highly recommended. Tom Reviewed on: 11th April 2023

Fanatics service

Quick and easy way to use app and very easy to understand. Reviewed on: 11th April 2023

Bad card

I’ve only had this credit card for 2 months and I’m already being charged every month for not clearing my balance in one go!! Surely the whole idea of having a credit card is it you can pay it back when you can not to pay it back all at once that was the whole idea of getting a credit card in the first place. Reviewed on: 11th April 2023

Fantastic and helpful

Absolutely fantastic has helped me out a lot I would definitely recommend to a friend Reviewed on: 11th April 2023

Fantastic company

Very professional and efficient have recommended to many friends, couldn't ask for a better finance card company Reviewed on: 11th April 2023

Credit card

Easy application, payments go straight on account. Card received quickly Reviewed on: 11th April 2023

credit card

easy of signing up and using there phone app is easy to understand and use Reviewed on: 11th April 2023

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