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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 starter product

The credit card allowed me to get back on the credit ladder again and build my rating Reviewed on: 21st February 2023

Very good

It is a good experience overall for me Reviewed on: 21st February 2023

Great all rounder

Great all round company. Easy to use app, great for building credit rating easy application Reviewed on: 21st February 2023

Amazing

Brilliant credit card easy to use on the app Reviewed on: 21st February 2023

Excellent

I have applied for zopa credit card and I got it with a far limit after few months my credit limit go's up to credit limit increase to almost double i feel better and secure financially against any unexpected Situation Reviewed on: 21st February 2023

Easy to use, best credit card ever

Simple to use. Not abused with crazy interest rates like other cards. Reviewed on: 21st February 2023

Great service

I needed a little help getting a credit card with a low credit limit to help build up my credit score. Very please with the t&c's, app and customer service. Thank you Zopa. Reviewed on: 21st February 2023

Easy to deal with

In app is easy and straightforward to use Reviewed on: 21st February 2023

Zopa - Just love them

No fuss or frills just honest app and fantastic customer service Reviewed on: 21st February 2023

Excellent Credit Card

ZOPA is one of the best customer friendly creditors I have ever had. They are mainly for bad credit. But since using and having fell into awkward times financially, missing a payment or going over my limit incurs no fees. Unlike other major credit cards that will charge you a flat fee putting you in a spiral of debt if you're not in a high financially state. Reviewed on: 21st February 2023

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