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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)

Overall good company and good experiences so far

Decent company and products. Never had any issues so far Reviewed on: 21st February 2023

Helpful

I find zopa to be more than just a credit card with lots of tips and and advice. If I have to phone them, they are always helpful and polite. An all round excellent service. Reviewed on: 21st February 2023

Fantastico for Ian fearn

No hassle no problems no stress Very simple Reviewed on: 21st February 2023

Excellent product and service

I’ve used my card so many times and it’s given me the room to keep living. These are strange times and everyone is feeling the pinch admittedly some feel it more than others but that’s life. It doesn’t take two days to clear funds when you make payments like other card providers, and this is a blessing for sure. Credit limits are fine and you can’t get into trouble, unless you want to! Would highly recommend and have done so to the few people I know Reviewed on: 21st February 2023

Very good!!!

Very good service and credit card!!!!! I am very happy…. Reviewed on: 21st February 2023

Brilliant

Great service, any issues or advice is always available on the phone which is brilliant . Reviewed on: 21st February 2023

Excellent card/company

Quick and easy to apply for small credit so you can’t get into trouble and easy to get hold of customer service if needed Reviewed on: 21st February 2023

Best Credit Card provider

With this credit card I had no hassle in setting up receiving cards, statements in timely manner and so easy to make payments in comparison to other providers I would rate this to be the best Reviewed on: 21st February 2023

Best credit card which suits my needs.

An all-rounded credit card which helps credit building and the credit card's app is amazing, it's full of useful tools. Reviewed on: 21st February 2023

Easy to apply, excellent customer service

App is super friendly too. Intuitive. I just thought that the credit limit could be higher, that's all. I'm an excellent paymaster. Reviewed on: 21st February 2023

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