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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.

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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)

Honest

Upfront and honest. Only ever offer relevant products that may be if benefit to customers. Reviewed on: 21st February 2023

Excellent bank

Easy to use, friendly knowledgeable staff and quick responses when emailing Reviewed on: 21st February 2023

Excellent Company

Excellent customer services who go above and beyond to help. Always keep you updated, first class communication Reviewed on: 21st February 2023

This card is a lifesaver

My credit score isn't good due to past issues but Zopa looked past that and issued me with a card. The app to keep check on my spending plus ensure I make payments on time and keep an eye on my current score is brilliant. Its so easy to use. Reviewed on: 21st February 2023

My Zopa

Very good card company helpful very professional and very helpful would recommend Reviewed on: 21st February 2023

Excellent service

I enjoy using the app and excellent service Reviewed on: 21st February 2023

Easy application & clear spend tracking

Application was really easy and helped reduced debt as took advantage of the 0% interest for 9 months on balance transfer. Clear spend tracking showing remaining transfer balance and spend balance, would recommend. Reviewed on: 21st February 2023

Friendly and very easy to use app

Very pleased to say that zopa seems to put people’s interest first Reviewed on: 21st February 2023

Not convinced

Sorry just too much poor service , and half time card didn’t work. Reviewed on: 21st February 2023

Excellent company

I have been with you for just under a year and I must say Zopa are an excellent company, I haven’t had any problems at all and I would highly recommend Zopa to family and friends. Good luck and I really hope you win as it would be very well deserved. Reviewed on: 21st February 2023

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