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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

Good rates, great website.

Having been a customer for a while I can safely recommend this credit card to others. Reviewed on: 21st February 2023

Customer service

Absolutely brilliant company, tailored to my needs and always on hand if need be, customer service is great with highly trained and experienced staff...would highly recommend 100%..wish I'd known about Zopa sooner. Reviewed on: 21st February 2023

Super supportive and has helped me with my credit rating! Yippee

From the first call to receiving my card the company was honest clear and supportive Reviewed on: 21st February 2023

RS

Very good company, I like,recommend for people. Reviewed on: 21st February 2023

Fair lender

Zopa took a chance with me when other lenders wouldn’t. They have gave me a chance to show I can be a responsible borrower. Reviewed on: 21st February 2023

Efficient and fair with all customers

I would recommend it to anyone as they are extremely helpful to their customers Reviewed on: 21st February 2023

Easy to use, sensible credit limits

Easy to apply for, sensible credit limits and easy to use app explains everything in easy basic language Reviewed on: 21st February 2023

Always been a handy credit card to have!!!!

I have been with Zopa for a few years now and they are a sensible lender with inflation and price hikes sometimes utilising the credit card has allowed me to still live my life and pay back affordable payments would recommend to anyone with an easy app to manage and pay bills it’s a 10/10 Reviewed on: 21st February 2023

Amazing

Zopa are so easy to use, thw apps simplistic, service is great highly recommend Reviewed on: 21st February 2023

Best by far

Such a great credit provider which gets the basics spot on. App is the best I’ve used by far and perfect for what we require. I’ve used several providers in the past and this is the best so far Reviewed on: 21st February 2023

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