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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

Card karma

A great card for great people in the greater scheme of things Reviewed on: 21st February 2023

My flexible friend and no messing

Easy to sign up and great mobile app to keep control of payments and spending. I don't leave home without it and helping me rebuild my credit rating after the pandemic - thankyou Zopa !!!! Reviewed on: 21st February 2023

Decent

Decent compared to similar cards Reviewed on: 21st February 2023

No hassles

I have found the service and customer experience much better than other credits card providers I have been with previously. Heartily recommended! Reviewed on: 21st February 2023

Nice Card with a good rate.

Every 200£ I spend, I only have to pay back £4 in interest. Which in turn allows me to pay more off every week. Reviewed on: 21st February 2023

Good, recommended

N1, recommended friends........... Reviewed on: 21st February 2023

The best

Fast, simple and easy to use!!!!! Reviewed on: 21st February 2023

Great service

Simple, easy and quick. No nonsense with this company everything is and clear with no hidden catches Reviewed on: 21st February 2023

Zopa

Easy bank app, cushion credit is best that i known when to stop it helps me of not getting to over limit Reviewed on: 21st February 2023

Great company great credit card

Struggled to get a credit card, Zopa gave me a chance great interest rates. Could just do with credit limit looking at and going up more frequently Reviewed on: 21st February 2023

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