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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)

Zopa app

Zopa is great. the app is easy to use and understand. The guidance to improve credit score is amazing Reviewed on: 21st February 2023

Credit card

Easy to use, can control everything through the app which has extra functions also, also provides further guidance on interest rates, loans, understanding your own finances etc. Would highly recommend using Zopa Reviewed on: 21st February 2023

10/10

Easy to use convenient and up there as one of the best credit cards I have ever used Reviewed on: 21st February 2023

I've been helped when needed

I am very pleased about the Zopa credit card I have. It's been very helpful when I needed the most by getting accepted although a bad credit score. Reviewed on: 21st February 2023

Very good.

It is an excellent credit card. Reviewed on: 21st February 2023

Super

Really good company very good stuff reliable very good communication and all round decent Reviewed on: 21st February 2023

Excellent

Excellent customer service. Prompt and efficient. Reviewed on: 21st February 2023

Great service

Very helpful staff and always keep you informed of any changes Reviewed on: 21st February 2023

Quick and simple

App is easy and effective to use and gives you an option of a spending cap which is very helpful Reviewed on: 21st February 2023

Brilliant

Excellent speedy service. Easy to apply and quick answer Reviewed on: 21st February 2023

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