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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44353 reviews)

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4.87

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

Mediocre at best

The card is below average since the credit limit is extremely low and has never increased for me despite always paying on time and not carrying a balance. It is strange that other cards I own have increased their limit over the same period, such as the recent increase of AMEX Gold to 10k, but Zopa still only offers a limit of £200. It is possible that Zopa may not cater to high earners with low expenses like me, which makes me unsure why I was requested to provide a review. Due to no benefits and the low limit, I have not used the card in about a year. Reviewed on: 11th April 2023

Great service and easy to use

Using Zopa is effortless and the app especially makes payments so easy! Alerts when payments are due means you won’t fall behind and it makes spending easy to track. Reviewed on: 11th April 2023

Very good

Very good, easy to use, would definitely recommend Reviewed on: 11th April 2023

Excellent in every aspect

Very happy with service provided Reviewed on: 11th April 2023

Great credit builder card

Easy to set up and use, great app for managing the account. Reviewed on: 11th April 2023

Top star rating

Zopa credit card gives me confidence with my credit. They are helpful always giving good advice and tips to improve your credit. Reviewed on: 11th April 2023

Great

Great service with easy to use app so you can keep track of spending Reviewed on: 11th April 2023

Excellent

Very easy to use the app, easy repayments and you know exactly what you're spending and where you stand. I couldn't recommend Zopa highly enough. 5***** Reviewed on: 11th April 2023

Brilliant

Very easy to apply and use. Never any issues. Would recommend to anyone. Reviewed on: 11th April 2023

Great company

Treating people fairly at this unfair time Reviewed on: 11th April 2023

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