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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

Amazing credit card

Nice and simple to use app, reasonable apr. All round good card Reviewed on: 21st February 2023

Easy to apply

I applied for my credit card with no issues, my account was set up in minutes and my card arrived by post less than a week later. Great service! Reviewed on: 21st February 2023

Credit card

Great guys recommend them good job Reviewed on: 21st February 2023

Brilliant customer focused service

The Zopa experience is very positive, people who really know people . Reviewed on: 21st February 2023

Easy to use

Easy to use app, easy to make payments, view balance, pin etc Good to use starting out building credit score back up Would recommend Reviewed on: 21st February 2023

Very pleased

I would recommend it to anyone I have a credit ard and my partner has a car credit ,we are very pleased Reviewed on: 21st February 2023

Great card for Everyday purchases

The card is good for Everyday purchases and the zopa app is user friendly which I like most Reviewed on: 21st February 2023

Honest review

Since using zopa I have been able to cut cost and manage my bills easily. From logging on to making payments and checking my balance everything is very straightforward. Reviewed on: 21st February 2023

The One of UK

When I was stuck with many payments. I just applied to Zopa; then their financial inspectors check that I am trustful but stuck at the moment, same day my card on app being activated. They save my life. Thanks Zopa Reviewed on: 21st February 2023

Excellent product

Easy to deal with. Simple application, usage and payments. Apple Pay compatible and very convenient Reviewed on: 21st February 2023

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