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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)

No pushing just help!

Zopa have done exactly what they said they would, provide good service and good communication. As someone who I building credit I’m still bombarded with “offers” and dangling credit in front of me hoping to push more to be taken. Zopa don’t do this! They offer support if they see you need it and don’t continuously send out offers for more credit. Reviewed on: 21st February 2023

Very good

Really impressed with all features of this card Reviewed on: 21st February 2023

Zopa experience

Easy to apply. Great starting credit amount even with bad / poor credit rating. Reviewed on: 21st February 2023

Easy to set up but no direct debit

Only issue is lack of direct debit which meant one of my payments bounced wgen i changed my debit card Reviewed on: 21st February 2023

Useful product

easy to use, the possibility to get an increase in the amount credited after a short period of time,transparent information on interest rate and payment deadline. Reviewed on: 21st February 2023

Top credits

Very quick and helpful service as iv had financial difficulties in the past , this card was recommended and would like to continue with this Reviewed on: 21st February 2023

Great service & support team!

No issues at all with Zopa, quite happy with their updates and their great customer service goes a long way!! Reviewed on: 21st February 2023

Amazing customer service

I can’t fault Zopa with their customer service, the ease of use of their app. Keep up the great work Zopa Reviewed on: 21st February 2023

Good honest down to Earth credit provider

Zopa is the best, never mind the rest! Reviewed on: 21st February 2023

Best Fintech

Zopa is the best fintech because of its inclusivity in the financial sector in the UK. Reviewed on: 21st February 2023

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