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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

Fantastic service

Always helpful and courteous, explaining everything in detail but in understandable language. Reviewed on: 11th April 2023

Why say yes to Zopa

The application process was quick & straight forward. The interest rate could be better, but it is better than some others. As as a short term borrowing facility, it certainly is a good option. The online app is easy to use, and payments can be made at any time & show up quickly on the account. Reviewed on: 11th April 2023

Great Card

It has been a great card and helping me to build my credit history. Reviewed on: 11th April 2023

Very responsible lender

I prefer to work with a card company who are reviewing my credit responsibly Reviewed on: 11th April 2023

5 star credit card

Love zopa and would definitely recommend. I always know exactly where my balance is at and love the very clear and easy to use app Reviewed on: 11th April 2023

Great

Being able to view access your account and apply for increases and decreases. Also easy access to your account Reviewed on: 11th April 2023

Easy

Using zopa is super easy using the app Reviewed on: 11th April 2023

Very helpful

Love the low interest rates and the app is brilliant to keep up with payments text alerts with something new Reviewed on: 11th April 2023

user friendly and convenient

great customer service with low interest rates and user friendly app Reviewed on: 11th April 2023

Ideal

Very easy to use app, fast response Reviewed on: 11th April 2023

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