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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)

Not too shabby!

One of the most appealing aspects of the card was the interest-free period of up to 56 days each billing period, which provided me with ample time to pay off any balances I incurred without accruing interest charges. This feature made budgeting much easier and less stressful. The 0% foreign transaction charge made it a great choice for international travel. This saved me money on each transaction, which I found to be incredibly valuable. Overall, I highly recommend this credit card to anyone looking for a great balance of features and benefits. Its minimum credit limit, interest-free period, low foreign transaction charges, and reasonable Representative APR make it an excellent choice for those seeking a reliable and affordable credit card. Reviewed on: 21st February 2023

Great customer service, always advises when your bill is due to be paid and when you spend.

I have a great experience, always there to help. Reviewed on: 21st February 2023

App

The app is so easy to work I would like higher credit limit but it will come in time Reviewed on: 21st February 2023

Reasonable, Reliable and Easy

The interest rate was very reasonable considering my credit score. I’m really glad that Zopa gave me the opportunity to build my credit score again, already it’s jumped up in the few short months since having it. The app to manage my credit card is really easy to use and I’ve never had problems with it. Not to mention the application process was so simple and hassle free. Reviewed on: 21st February 2023

Great company

Amazing experience with this company. App is easy to use and straightforward. The rate could be a bit better thou Reviewed on: 21st February 2023

Excellent

Excellent service highly reccommend Reviewed on: 21st February 2023

Great card

Great card increased my limit kept me on track pleasure to deal with Reviewed on: 21st February 2023

Awesome

Easy to use. Feel confident in your world Reviewed on: 21st February 2023

My experience

Ive had a zopa credit card for some time never had any issues always been able to use the zopa app always been very informative to us as customers all round great company and customer service Reviewed on: 21st February 2023

Amazing company

So happy with this choose if credit card provider. Using app to use & helpful staff with good customer service. Reviewed on: 21st February 2023

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