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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.

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

Fully recommended

I saw Zopa advertised and needed to rebuild my credit. They were easy to sign up for and were quick to let me know that I had been accepted! Payments are very reasonable and their app is easy to use!! Reviewed on: 21st February 2023

Its good

Helps in tough times .to sum it all Reviewed on: 21st February 2023

Great Product

Great product and great app to manage account Reviewed on: 21st February 2023

User friendly intelligent finance

Zopa credit card combined with the app. Is so easy to use and keeps you up to date with your spending, limit and when payments are due. And very user friendly. Reviewed on: 21st February 2023

Incredibly good

This company doesn't spam call you a day after you're due to pay. They're kind, give you all the information you need and the app is just fantastic, honestly I'm thankful they exist. They're amazing. Reviewed on: 21st February 2023

The best I can see

Zopa have an easy use interface and very helpful app features that allow to know where you are and where you stand, the simplicity of this company isn't insulting, helping people to understand their credit as it fluctuates offering advice and tools to avoid being in the red, all in all a fantastic experience, I would highly recommend Zopa to anyone and everyone. Reviewed on: 21st February 2023

Good experience

Zopa have been really good to me, I had troubles with finance so Zopa helped me and got me back on track, they also don’t offer you silly credit you can’t afford! Couldn’t recommend enough :) Reviewed on: 21st February 2023

Great company

Easy app to keep track of your usage and payments and just an overall good company Reviewed on: 21st February 2023

great little card

very easy to apply for and a very clear app to keep control of your payments Reviewed on: 21st February 2023

Straight forward

Simple no fuss instant access on line account works for me prefer a higher allowance but early days Reviewed on: 21st February 2023

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