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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

So easy

Easy to use. I loved the app. I recommend for my families and friends ☺️ Reviewed on: 21st February 2023

Best rates for Credit Cards

I have had an exhilarating experience with the Zopa app to track my spending and consistently get sound financial options and advice. Reviewed on: 21st February 2023

Easy and quick

I set up an account super fast and it got verified quickly, I’m now on my way to building better credit. Reviewed on: 21st February 2023

Excellent company and service

Excellent company, excellent service easy to use and would highly recommend Reviewed on: 21st February 2023

Great to deal with

Very decent and understanding company Reviewed on: 21st February 2023

repair credit

Easy to apply for and easy to use, no hassle Reviewed on: 21st February 2023

Accessible and fair

Zopa were among a small panel of lenders willing to accept me for a credit card. Despite some previous financial difficulties that impacted my credit history, Zopa looked at the affordability of their product and took into account my otherwise excellent credit history and other positive factors. I’d consider this to be both ethical and responsible lending, which the market needs more of. Reviewed on: 21st February 2023

Easy to use

Easy to get signed up , and kept up to date with lots of info regarding any changes. Easy to use up to keep track of transactions and balance Reviewed on: 21st February 2023

Brilliant

So easy to set up and use and you can spilt money put some to one side so you don't spend to much Reviewed on: 21st February 2023

Happy

Very good choice,seample and correct. Reviewed on: 21st February 2023

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