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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)

Highly recommend

Brilliant customer service, even help when I couldn't pay on time Reviewed on: 21st February 2023

Great company all round

When I downloaded the app for the credit card, I didn’t realise they so many other products and provide additional information such as your credit score and affordability score. Customer service has always been great and received a replacement card (I lost my other one) within a couple of days. Reviewed on: 21st February 2023

Easy to use!

Zopa is easy to use and all the info at my fingertips- customer service staff great as well! Reviewed on: 21st February 2023

Top

Cartão muito bom , eu uso e recomendo fácil e pratico para mexer , valor do crédito tudo bom eu uso no meu dia dia adoro Reviewed on: 21st February 2023

Fabulous

A fabulous easy to use credit card with a great app. Highly recommended! Reviewed on: 21st February 2023

Amazing

I struggled to get credit after 6 years in an IVA. Zopa has given me the chance to rebuild my credit score. Write off other debs and be more financially secure. Reviewed on: 21st February 2023

Easy to use

App makes it really secure and easy to use Reviewed on: 21st February 2023

Great card for credit repair

Zopa is a great card for those new to credit or looking to build your rating. Handy app with reminders for when the bill becomes due and secure platform. Reviewed on: 21st February 2023

On credit score

Zopa is the best I got their credit card and it was a magic for my credit score.Went up and up..so happy now Reviewed on: 21st February 2023

Highly recommended

Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Reviewed on: 21st February 2023

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