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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

At last

At last I have found a credit card with a decent interest rate and an app that is SIMPLE. The app is user friendly and amazingly simple to use and monitor in seconds whilst being secure. Additionally when I lost my card a while back I had a replacement with me within 3 days. Reviewed on: 11th April 2023

Smart reliable

Smart reliable and approachable and easy to deal with Reviewed on: 11th April 2023

Zopa credit card

Great company great card really helped me to boost my credit score and a really handy easy to use app Reviewed on: 11th April 2023

Excellent service

I have had no problems with Zopa, excellent Service and I would highly recommend. Reviewed on: 11th April 2023

Simply simple

From application to approval, the process was simple, concise and fast. Card arrived in record time, app is wonderfully user friendly. Love the instant notifications when card is used, it helps monitor spending for those of us who can sometimes forget when/where we've utilised bank cards (until the statement comes through). Perfect for my needs. Reviewed on: 11th April 2023

A great card for bad credit

A great card and it came quickly. I was accepted with a poor credit rating and the app is very easy to use. Reviewed on: 11th April 2023

Excellent

Best credit card ever and I will definitely recommend it to my friends and family Reviewed on: 11th April 2023

Most Helpful

My very first interaction with the customer team was polite & helpful!!! Responses were in a timely manner. Reviewed on: 11th April 2023

Zopa

Very company would recommend to any one who needs credit Reviewed on: 11th April 2023

Excellent servicd

Fast, efficient service Great app and helpful Reviewed on: 11th April 2023

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