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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

Great

Great product and great company Reviewed on: 21st February 2023

Great service

Easy to use and very helpful customer service Reviewed on: 21st February 2023

Credit Card and Saving

Absolutely amazing credit card that you can save with alongside your credit for Holidays etc and earn interest Reviewed on: 21st February 2023

Straight Forward

Zopa credit card is a straight forward application along with the app. I haven’t encountered any issues as of yet. I would likely recommend this company Reviewed on: 21st February 2023

Amazing product

Thai card is amazing and mainly because of the app that it comes with help you track all spending advises you when and how to make easy options of payments. Plus other exciting information that you wouldn’t normally get with a credit card like savings, advising when your rating goes up such a good product so pleased with it, it’s really going to help me gain some good credit rating for the future. Reviewed on: 21st February 2023

Great customer service

I've had problems with my bank and they've help resolving the issue Reviewed on: 21st February 2023

Best customer service

It’s help me to build my credit score Reviewed on: 21st February 2023

Brilliant

Brilliant company so helpful and supportive I have told all my family and friends how good Zopa are Reviewed on: 21st February 2023

low credit limit, high interest.

paying balance off monthly and using a low balance percentage doesn't improve your borrowing power it seems. Not a useable product, better options available. Reviewed on: 21st February 2023

Perfect start to getting you back on your feet

Easy to apply. Sensible first usable credit limit. Great tools in the app. Couldn’t think of any ways to improve your experience! Reviewed on: 21st February 2023

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