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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

Fantastic service

Zopa has always been very easy to use, and with no hidden costs or surprising costs Reviewed on: 21st February 2023

Brilliant

Easy and straight forward. Happy with the service Reviewed on: 21st February 2023

Excellent service

I have 3 credit cards and zopa is the best by far, the app is so straightforward to use and I love the credit cushion so I can put some aside for emergencies and not go over my limit!no other credit card I have has that option. Reviewed on: 21st February 2023

Best credit card

From the start of being accepted for a Zopa credit card, this has been quick & a easy process, Zopa’s app is straight forward to use. Reviewed on: 21st February 2023

Just Great.

I have found ZOPA to be an easy and accessible app for all. It is very informative, easy to work around on the app and the staff are so helpful and lovely. I like how it tells you if your credit rating has gone up and what you can do to improve this. I just find it amazing and I would never go with another credit card company again. I have referred to many Reviewed on: 21st February 2023

Amazing opportunity

Am so grateful for this chance to improve my credit which I suffered with so so long and in a very simple way. Reviewed on: 21st February 2023

Fantastic service and easy to use

Zopa have been easy to use, the app is easy to navigate and paying money on is instant and easy to do thoughout the month. statements are accessible anytime. Brilliant company and app. Reviewed on: 21st February 2023

Great reliable customer service

Supported me when I'll great support took my worries away Reviewed on: 21st February 2023

So modern,so good ,so fair

Zopa are a company for the 2020s,everything is updated asap,nothing ambiguous,they are on the ball with all verifications and contact,give you a limit that you can afford 10 out of 10 for Zopa ,love them Reviewed on: 21st February 2023

Best credit card company I've used

Everything about this credit card is easy, setting it up, making payments, changing credit limit. The app is straight forward and seeing all my products in the same place is great. Reviewed on: 21st February 2023

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