Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

View other Zopa products

4.86

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

Read all reviews See your review

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

Exceptional service

They are a great card provider and they're customer service us exceptional Reviewed on: 11th April 2023

Fantastic

Fantastic product! I would recommend to anybody I know Reviewed on: 11th April 2023

The Credit Card Company who Care

This company helps you with easy talking & swift action. Reviewed on: 11th April 2023

friendly and professional

very friendly and professional service...great communications Reviewed on: 11th April 2023

Fantastic responsible lender

They accepted me when others wouldn't. I'm now on my way to building a better credit report and I have a brighter future. Thanks Zopa :-) Reviewed on: 11th April 2023

Zopa review

Just great service from start to finish, no problem for customer service, totally satisfactory Reviewed on: 11th April 2023

Wonderful card! Must have when traveling.

I love my Zopa credit card. I depend on it when I'm travelling, It makes it easy to spend in other currencies without all of the extra fees that my other credit cards charge me. There is no reason it should cost more to spend a Euro than a Pound and with Zopa, it doesn't. I recommend this card to anyone who travels out of the country. Reviewed on: 11th April 2023

Great and easy credit card

Zopa is a great credit card with easy-to-manage mobile banking. They make paying off your card so easy. Much better than most. Reviewed on: 11th April 2023

Understanding

I once fell behind with payments, when doing so the people I spoken to where very understanding accommodating to my means. Reviewed on: 11th April 2023

The best credit card

Thank you very much for your service, I used the credit card and I so happy because it semple the make payment Reviewed on: 11th April 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Opus Credit Card
from NewDay 4.04 from 3 reviews
Avios Credit Card
from TSB 3.50 from 20 reviews
Cashback credit card
from Lloyds Bank 4.24 from 26 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub