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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)

Zopa was there when I needed them.

Zopa helped me when I needed it, the app is very helpful and user friendly and over all a good product I recommend. Reviewed on: 11th April 2023

So easy

Zopa are clear and concise on everything, account is easy to run, it’s easy to see how much you are spending and they have tools to help you keep your credit score within limits. Reviewed on: 11th April 2023

Good Credit card

Its a good credit card for people with average credit score. the approved limit was much higher than capital one, although their rate of interest is considerably low, but that doesn't concern me as i pay the balance in full. the mobile app is good and whenever you pay , it gets credited to the account almost instantly. would recommend Zopa to others. Reviewed on: 11th April 2023

Love the app

Great simple clear effective! You always know where you are with your balance Reviewed on: 11th April 2023

Supportive provider

Supportive provider, allowing you the right limit for you dependant on your circumstances. Reviewed on: 11th April 2023

Perfect

Excellent Apr rates and easy to apply for. Excellent communication with customer services. Reviewed on: 11th April 2023

fantastic service, quick payment

Zopa is my best credit card among my cards. Reviewed on: 11th April 2023

Credit building

I got this card to help with my credit score and it has been easy to do with a controlled balance, easy to pay platform and also has a credit record review so I can monitor my progress. Would definitely recommend to anyone trying to do the same thing as the repayment rates aren't ridiculous which you would normally find when trying to build credit Reviewed on: 11th April 2023

Excellent

Excellent customer service - everything is online and easily accessible Reviewed on: 11th April 2023

Good company

Great company, lots of tools to help improve credit that actually work Reviewed on: 11th April 2023

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