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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:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Real people in the real world

Fantastic company with an understanding of the way life has its ups and downs when I fell out of work briefly and missed a repayment they listened and waited patiently for me to repay and once I had my card was unblocked and there to rely on if needed recommended to anyone and everyone. Reviewed on: 22nd February 2023

I recommend Zopa

Great card! It works perfectly, I'm very happy Reviewed on: 22nd February 2023

Does what it says on the time

You get to know your charges and plan ahead Reviewed on: 22nd February 2023

Good credit builder

Excellent card to have as a safety net Reviewed on: 22nd February 2023

Very good

Nice experience,good product,good offer Reviewed on: 22nd February 2023

Excellent

Helpful friendly staff easy to use app Reviewed on: 22nd February 2023

Good company

Approved me a credit card when nobody else would and since helped me better my credit score and help me get a mortgage Reviewed on: 22nd February 2023

Easy application

It helps a lot especially when i was very broke. I used my zopa card to buy foodstuffs in the house for myself and my kids. Reviewed on: 22nd February 2023

An ideal card

This card let's you stay within your spending comfort zone, unlike some that give huge limits straight away and tends to lead ppl into over spending Reviewed on: 22nd February 2023

Perfect credit card

App is brilliant to use , very understanding and good for building credit score Reviewed on: 22nd February 2023

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