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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)

EFFECTIVE & EFFICIENT SERVICE

ZOPA is a convenient way of using someone’s money and returning it back stress free. Good customer relations and the system is fit for purpose. Reviewed on: 21st February 2023

Great company

Very easy to deal with and good all round Reviewed on: 21st February 2023

British Bank Awards 2023

Satisfied with the service. Cannot really complaint so far. Reviewed on: 21st February 2023

Best company

Never had any problems. Thank you Zopa Reviewed on: 21st February 2023

Great card

Really user friendly app and great way for keeping track of one’s credit profile. Reviewed on: 21st February 2023

Best credit score boosting card!

Zopa has helped my credit score fly, I recommended Zopa to everyone I speak to about credit scores, their interest is reasonable and they’re so easy to use. The support team are great and always try their hardest to resolve a situation. If it wasn’t for Zopa I wouldn’t hava been accepted for my car, and I’m on track to being accepted for our first house! Thankyou to Zopa for all the support. Reviewed on: 21st February 2023

Very good service

Zopa is a very good credit card Iv never had any problems with it Reviewed on: 21st February 2023

Love it

Zopa app is so easy to use. I love it Reviewed on: 21st February 2023

Clear & Fair

I pay off the card and funds are immediately available rather than having to wait a few days like other providers. App is easy to use. Credit coaching and assistance provided. Reviewed on: 21st February 2023

Great user interface

Zopa credit card & the app is super easy to use & navigate which makes money management so much easier Reviewed on: 21st February 2023

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