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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 servvice

Very clear and helpful with all aspects of finances Reviewed on: 11th April 2023

Easy app, easy account management

Easy to use app, clear statements. Reviewed on: 11th April 2023

Brilliant lender

I would highly recommend Zopa credit card. The app is so user friendly makes it easy to keep on top of your spending. They don't offer more credit than you can easily afford to pay back. Reviewed on: 11th April 2023

The best credit card/ personal loan provider out there

The best credit card/ personal loan provider out there for sure. The application process was easy and straightforward, the App is also incredibly easy to use. I would highly recommend ! Reviewed on: 11th April 2023

100% honest and trustworthy

Never had any problems with this company, always on hand if needed. Reviewed on: 11th April 2023

Quick application and very honest service.

Quick application and very honest service. Reviewed on: 11th April 2023

Great service

Highly recommended.. It's been a while using zopa Also refer to others Reviewed on: 11th April 2023

Easy

Easy to apply and get approved, applied and got the decision in minutes. Very easy and straightforward process to apply and understanding the terms and conditions. Reviewed on: 11th April 2023

Very good

Good app easy to navigate. Quick desision and response times Reviewed on: 11th April 2023

Simple process

Easy to use app, clear and informative! Reviewed on: 11th April 2023

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