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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

Payments

I love that when you pay your credit card it updates straight away, don't have to wait 2 working days Reviewed on: 11th April 2023

Easy to manage and review.

Zopa offers good short term credit options, with the opportunity to review expenditure and borrowing rating through the app. A great provider for credit cards regardless of the situation. Reviewed on: 11th April 2023

Absolutely brilliant

Anyone want their products cannot get better,zopa number 1 Reviewed on: 11th April 2023

Excellent Service

Very quick and responsive. The app is intuitive and easy to use. So far I've been able to deal with everything using it rather than calling which saves a lot of time. No down sides as yet. Reviewed on: 11th April 2023

Good service

Good responsible lending, always let me know when I’m close to my limit and very easy to make payments Reviewed on: 11th April 2023

Brilliant!

Easy to sign up and use...easy to make payments....easy to my understand my bill and payments.. Would recommend highly! Reviewed on: 11th April 2023

Easy

Really easy to use and and pay it back. Reviewed on: 11th April 2023

Excellent card provider

Excellent in the way you can use the app, managing your card is easy and you have access to everything youd need also allows you to keep part of your limit as emergency which is a great idea. Allround the best card ive had. Reviewed on: 11th April 2023

Excellent

Excellent service and great rates Reviewed on: 11th April 2023

Best in service

Best among all in the whole market Reviewed on: 11th April 2023

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