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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

Highly recommend

Zopa have been brilliant. Using the services is easy and the app makes handling finances easy Reviewed on: 21st February 2023

So far pretty impressed

Was simple and easy to setup and so far not had any problems. Reviewed on: 21st February 2023

Easy to use

Customer service were very quick in responding. Responses were very clear, in terminology I understood. Reviewed on: 21st February 2023

One of the best credit card companies around

I would recommend Zopa to anyone that wants to get a credit card or any type of credit, as I have been using them for quite a while now and I am very happy with how everything works, easy to use and user friendly app, good customer support as well as notifications regarding any important information. Overall very satisfied and happy with Zopa. Reviewed on: 21st February 2023

Good service

All in all a good service of credit provided by Zopa Reviewed on: 21st February 2023

Payments

Payments are instant and easy to make Reviewed on: 21st February 2023

Great card

Did what it said on the tin. Helped boost my credit score by having a card Reviewed on: 21st February 2023

East to use

No fuss or bother, good credit limits, good comms Reviewed on: 21st February 2023

Great provider

Zopa have given me the opportunity to help my credit rating Reviewed on: 21st February 2023

Best Credit Card on the Market for Me

Really happy with Zopa, everything is explained in a plain & simple manner that I can understand, the app is excellent for checking your balance, spending etc. In my eyes it's the Best credit card on the market especially for me & wouldn't hesitate to recommend it to friends & family. Reviewed on: 21st February 2023

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