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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)

Great Help!

They have been really great help, allowing me to work on bettering my credit score! On top if this it is easy to manage and if you are having a hard tome they are very understable and offer ways to help support Reviewed on: 21st February 2023

I like this credit card.

Easy to use and easy to apply for this credit card. Reviewed on: 21st February 2023

Great card that helps with credit score

Easy to use and manage with simple but effective tools. Reviewed on: 21st February 2023

A true credit builder

Zopa is a card that caters for those with a low credit history ,but treats you with respect rather than children. The app is great providing all the tools to manage your account with real time reports as well as payments registering straight away. My credit amount was increased as soon as confidence was established. Unlike other providers who refuse to review eligibility fairly. Well done keep it up Reviewed on: 21st February 2023

Great product

Fantastic app and service that allow me to manage balance, make payments and stay in control Reviewed on: 21st February 2023

Happy with service

Very easy to get credit card, good payment options, easy to pay back and increases credit score Reviewed on: 21st February 2023

Fantastic card

This card is really good and the company have made it easy for me to use the card on my phone so I regularly use it for food shopping. Never had a problem with it Reviewed on: 21st February 2023

Reliable credit card

I really like some of the features my card has. I like that through using the app I can pull up the PIN number. The backup feature is wonderful. Being able to put an amount to one side is very beneficial. I have utilised that feature since the day I got the card. Would recommend based on those two features. Reviewed on: 21st February 2023

Easy, Cares, Informative

I love that the online features are intuitive for customer.....general ability! Well done. Reviewed on: 21st February 2023

Seem really good

Love the app and the instant balance once paid Reviewed on: 21st February 2023

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