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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

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4.86

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)

Great experience

Very good experience, never had any issues and have always found zopa to be very helpful Reviewed on: 21st February 2023

Outstanding Zopa

Zopa has one of the easiest online app there is and the customer service is by far one of the best.. Reviewed on: 21st February 2023

Credit rating

Helping get my credit up, so I can have a better rating Reviewed on: 21st February 2023

Fantastic

Helping build credit is easy and also easy to monitor with the tips. Thanks Reviewed on: 21st February 2023

Excellent card

Very good customer service and overall would recommend this company 100% Reviewed on: 21st February 2023

Easy setup and easy app

I liked how quick it was to find out whether you could be accepted for the card and how quick everything else fell into place. Getting the app straight away is a good idea while waiting for the card and pin to come. The app is easy to use and you can keep track of payments as well as pay off when you want or setup up a direct debit. I like the security when purchasing which tells you to authorise a transaction. Best for this day and age. Overall I'm happy with the card and services. Reviewed on: 21st February 2023

Very easy to use

Credit card with a smile. This company is very well managed and easy to use app. Never had any issues and would highly recommend. Reviewed on: 21st February 2023

Brilliant service

Brilliant customer services if there's any problems with your account Reviewed on: 21st February 2023

Improve credit score

To help me build credit score , good card as it isn’t a high limit which is easy to manage and you can pay off as many times as you want in a month on the app. Keeping good track of your purchase Reviewed on: 21st February 2023

Excellent service from start to finish

As easy to use as any other card, but when it comes to payments to balance, the payment is instantly applied. Unlike other companies that take days and days to apply it to the balance. Reviewed on: 21st February 2023

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