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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

Very easy to use and no problems with the app

Easy app and no issues with this company zopa,all the best Reviewed on: 11th April 2023

Great credit card

Easy to control and keep track of spending, reminders of payment days, keep up with credit score, always pay on time, no trouble Reviewed on: 11th April 2023

Excellent card and service

Really efficient and great service provided Reviewed on: 11th April 2023

Decent credit builder

Find Zopa to be fair on rates and fantastic customer service, a great card builder to get your finances back on track. Reviewed on: 11th April 2023

Perfect for me

I have both car finance and credit card with Zopa and find both very well suited to my needs. Keeping track of payments and balances is easily achieved via the app which is very user friendly. Reviewed on: 11th April 2023

Zopa got me back o the road to credit confidence

I've had real problems with credit in the past, and thought there may be no way back! Zopa have been great - brilliant service, very easy to use app, and I feel in control again. Would heartily recommend to family members, very happy customer :-) Reviewed on: 11th April 2023

Excellent

Quick and easy service Updated regularly Reviewed on: 11th April 2023

Absolutely brilliant aopa

Would recommend zopa to everyone I know Reviewed on: 11th April 2023

There when I needed them

In my personal dealings with Zopa…. No hassles. Straight forward. Nothing a problem. Always helpful Reviewed on: 11th April 2023

excellent

I like Zopa, quickly remove the credit card, good interest! Reviewed on: 11th April 2023

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