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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 credit card

Very easy to use and navigate and brilliant customer services Reviewed on: 11th April 2023

Zopa the best

It's been fanntastic there just when I needed it Reviewed on: 11th April 2023

Excellent service

Excellent service from applying to spending. Reviewed on: 11th April 2023

Fantastic company

Brilliant all round service .. easy to set up .. no complaints at all 5 stars Reviewed on: 11th April 2023

very good.

the suport behind are great,I understand you and help you Reviewed on: 11th April 2023

Excellent rates and service

Excellent company to have a credit card with, excellent rates and service Reviewed on: 11th April 2023

Clear communication

Zopa has got a very user friendly interface that is very comfortable for any user to use. They have created a significant impact in the industry while keeping their service top notch for their vulnerable users. I feel that Zopa has got the best communication among the industry. I love using a Zopa card and hope that the company will persist in giving same type of fantastic customer service. Reviewed on: 11th April 2023

Best credit card.

Very good credit card. We use the card for family shopping all the time. Reviewed on: 11th April 2023

I have had no issues with Zopa and I am very happy to use their card

Credit they gave me was affordable so I don’t go over what I can afford it is also easy to use the app and make my payment Reviewed on: 11th April 2023

Great credit for re-starting credit

Offered an opportunity to gain and build credit when others said no. Has proved a lifeline for the last 12 months. Reviewed on: 11th April 2023

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