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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)

Transfer offer was best offer

Balance transfer for first 3 month Reviewed on: 21st February 2023

Easy to use

The app is straightforward to use Reviewed on: 21st February 2023

Fuss free borrowing

Really ethical company that doesn’t feel threatening when you’re nearing your limit. Thank you Reviewed on: 21st February 2023

Convenient, Easy and Helpful

From applying to using my Zopa product I have no issues and continue as a happy customer! Reviewed on: 21st February 2023

Easy application

Application process very easy and great features such as spending insights and credit buffer. An excellent credit score boosting card! Reviewed on: 21st February 2023

Great service

Very trusting, easy to use and very helpful to keep you on track Reviewed on: 21st February 2023

Really good

Their services are really good. the app is one of the least complicated banking apps . Reviewed on: 21st February 2023

Excellent service

When I applied they quickly responded and Zopa app is amazing and very easy to use Reviewed on: 21st February 2023

Fuss free straight forward

Hassle free app always works great always kept updated about what's going on great company Reviewed on: 21st February 2023

Excellent credit card!

Great company, easy to use app, and they keep you updated frequently with anything to do with your account. Reviewed on: 21st February 2023

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