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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

Quick and easy to use

I've been using zopa credit card for quite a while and never come across any problem Reviewed on: 21st February 2023

Easy and clear

What a super experience with Zopa, The technology deployed to make applying and using the card is beyond superior to any other card out there. Easy, efficient. Clear and precise. Reviewed on: 21st February 2023

start a fresh

With having very bad credit, Zopa has gave me a fresh start to rebuilding my future, And customer service is so helpfull for any situation you face. Reviewed on: 21st February 2023

Excellent

Excellent service easy to use great customer service the app is very good to help manage money Reviewed on: 21st February 2023

Perfect

Hassle free,the app is brilliant & easy to use,lots of helpful hints & tips,no holding on the phone for hours..texts to say when payments are due & when you’re beating your credit limit ..brilliant Reviewed on: 21st February 2023

The Amazing Zopa.

One of the things that I appreciate about Zopa is the fact that they don't charge any annual fees on their credit cards, which is a rarity in the industry. This means that I can use my credit card without worrying about any additional costs or hidden fees. Additionally, their APR rates are very competitive, which makes it a great option for anyone looking for an affordable and reliable credit card. Another great feature of Zopa credit cards is the easy-to-use online platform. The user interface is very intuitive and user-friendly, which makes it easy for me to manage my credit card account, view my statements, and make payments on time. I love the convenience of being able to access my account from anywhere, at any time, which makes it easy to stay on top of my finances. Finally, the customer service at Zopa is truly outstanding. Whenever I've had a question or concern, their customer service team has always been friendly, helpful, and responsive. They're available 24/7, which gives me peace of mind knowing that help is always just a phone call away. Overall, I highly recommend Zopa to anyone in search of a reliable, affordable, and user-friendly credit card. Their commitment to customer satisfaction and their excellent credit card options make them a top choice in the credit card industry. Reviewed on: 21st February 2023

Well organised company

Really easy to understand the APP good interest rates Reviewed on: 21st February 2023

Easy & Great Service

I applied for a credit card, it was very straight forward and quick, unlike other applications. Reviewed on: 21st February 2023

Mrs

Good customer service lisen to you as a customer ànd very helpful to what matters to you. Reviewed on: 21st February 2023

First credit card

Approved quickly. Good interest rates. Excellent customer service Reviewed on: 21st February 2023

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