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Zopa: Credit card reviews

View other Zopa products
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
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
HAIZHONG N's avatar
HAIZHONG N

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
Sherlin's avatar
Sherlin
Read all reviews See your review

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.

Zopa Credit card reviews (44353)

Review of the Zopa, Credit card:

Friendly reliable

4
One of the best cards to help your credit score Reviewed on: 11th April 2023
Philip stringfellow's avatar
Philip stringfellow

Easy.

5
Great card, helps you budget effectively with great communication. Reviewed on: 21st February 2023
gavin adair's avatar
gavin adair

Quick and easy

4
I would recommend this company as any issues I have had get resolved very quickly and the online app is super easy to use. Reviewed on: 21st February 2023
bronzantetunis@hotmail.com's avatar
[email protected]

Quick and easy

5
Applied for a credit card as I like the Zopa app for loans. Really quick decision and no hassle. Great stuff Reviewed on: 21st February 2023
Richard Jennings's avatar
Richard Jennings

Best credit card service I have ever used

5
Zopa not only provides a credit card and app that is easy to use, but their interest rates are also very competitive, they are very transparent about their fees and service limitations, offer helpful advice and even provide a service called a credit cushion that allows you to reserve funds within your credit limit, to keep separate for emergencies. Well done Zopa, and thank you Reviewed on: 21st February 2023
Stephen Grinyer's avatar
Stephen Grinyer

Very convenient

5
Easy process with overall satisfaction Reviewed on: 21st February 2023
ashoksamy28@gmail.com's avatar
[email protected]

Fast and effective

5
No one else would accept me, but Zoopa did and they offer so many added extras on their app to help you budget and get back on track! Reviewed on: 21st February 2023
Starlight's avatar
Starlight

Great customer service

5
Great customer service. Very easy to speak to someone via phone unlike other card providers Reviewed on: 21st February 2023
Craig Court's avatar
Craig Court

Stress free and easy

5
Zopa has been Brilliant! Easy to use and set up, my credit wasn't that good but they took me on at a low interest rate. Gave me peace of mind and have heloed when times were hard. Great service recommend them. Reviewed on: 21st February 2023
Daisy's avatar
Daisy

User friendly, simple and transparent

5
So useful and user friendly, the website makes it easy to manage money online. Clear and transparent process. Reviewed on: 21st February 2023
Vinney's avatar
Vinney

Fantastic

5
Easy to get and very helpful. Easy to deal with Reviewed on: 21st February 2023
Jamie Mitchell's avatar
Jamie Mitchell

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