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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

The best

Absolutely A1 as soon as u pay ur bill its straight back onto your card no waiting for 2 days to process its done within minute. Reviewed on: 11th April 2023

Great

Zopa are an effective and reliable credit card provider. Their communication is consistent and they are easy to get hold of if needed. Reviewed on: 11th April 2023

Excellent

Zopa credit card is easy to apply, the best credit card I have ever had the pleasure of using. The interest is the cheapest of all the other credit cards. Affordable and reliable, recommended to everyone I no. Thanks Zopa Reviewed on: 11th April 2023

Best customer service and always informative

This credit card provider, assesses customers to make sure they can afford payment of their credit limit amount and always informs in full before making a decision to take the product. Reviewed on: 11th April 2023

Simple - all bank please take notes

App = brilliant Service = brilliant No technicalities. No mess about. Just what is needed. And security is top class. All at you fingertips. Enough said Reviewed on: 11th April 2023

Good rates

Very quick, reliable and reasonable credit card lender. Reviewed on: 11th April 2023

Great service

Brilliant service, very fast receipt of approval and card Reviewed on: 11th April 2023

The credit fixer

I honestly couldn’t get credit anywhere, my credit score was that bad but with the help of Zopa card I am on path to fixing my credit again… thank you Zopa Reviewed on: 11th April 2023

Next gen banking

The easy to use app, borrowing power summary and suggested options are refreshingly relevant and intuitive. The bar is set high. Reviewed on: 11th April 2023

Brilliant customer service

Never had an issue with them when ever i had a problem they have solved it straight away so i would recommend it to my family and friends Reviewed on: 11th April 2023

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