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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43485 reviews)

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4.94

Based on 43,485 reviews, last reviewed 16th Mar 2026

155350% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great for spending. Great for spending. Helpful. Good for low credit score to get a card. Easy to use. Good working app. Good repayments. Would definitely recommend to ot... Read more Reviewed on: 16th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43485)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

Good, but could be better

Overall, I am quite happy with the Zopa credit card. The biggest positive for me is the fact that they do not charge fees on international purchases and the exchange rates are pretty good. Having said that, there are also points where they could improve and this is why I scored 4 and not 5. The customer service is pretty good overall, easy to contact via app and quick resolution if you need to dispute unauthorised transaction etc. However, they are pretty quick to block the card if their system flags any transaction as 'suspicious' and unblocking it isn't always as fast as you would like. Occasionally, you may come across a CS representative that may not give you correct info, this can be resolved with ensuring better training. The main negative for me is the low credit limit. They do review your account on average every 6 months for eligibility for increase which is good, but the increase itself is not huge despite excellent management of account. I use the card all the time and it is paid off in full every single month, so I would expect a better credit limit which would certainly come in handy. Reviewed on: 15th January 2026

Very simple to understand no problems

Very simple to understand no problems Reviewed on: 15th January 2026

Easy application and fast answer, easy app to work v...

Easy application and fast answer, easy app to work very clear to read Reviewed on: 15th January 2026

Easy to use

Everything is clear and easy and straightforward. I would definitely recommend Zopa to friends and family about my experience up to now which has been better than any other credit card company I’ve dealt with before Reviewed on: 15th January 2026

I just think it is a really good service my card

I just think it is a really good service Reviewed on: 15th January 2026

So easy to deal with everything...

Zopa are efficient and easy to deal with everything at the touch of a button Reviewed on: 15th January 2026

Zopa is simple to use & the app is easy to use, seem...

Zopa is simple to use & the app is easy to use, seems good value too. Reviewed on: 15th January 2026

Zopa have been very helpful and do not let me get in...

Zopa have been very helpful and do not let me get in debt Reviewed on: 15th January 2026

A good provider

Good communication and very clear information provided through their app. They also have a range of products on offer, that are easy to find. Reviewed on: 15th January 2026

I think its the best credit card ive ever had

I think its the best credit card ive ever had Reviewed on: 15th January 2026

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