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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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Easy to use

Great card that has an app which is really easy to use to keep track of your spending Reviewed on: 21st February 2023

Amazing products and service

Such a great product and service. Easy to apply and back fast with results. Card came through the post within days and app is amazing. Easy to control and budget with and set payments or change any details. Highly recommend Reviewed on: 21st February 2023

Simple

Easy to apply for. Simple well laid out app. Easy to understand Ts&Cs. Reviewed on: 21st February 2023

Amazing

I was extremely struggling, I needed money to be able to feed my family, Zopa helped me when I needed it most, so for me they are the best Reviewed on: 21st February 2023

Easy and convenient

Simple, easy and convenient digital process Reviewed on: 21st February 2023

Hassle Free

There is no hard-sell involved with Zopa, using the app allows customers to keep on top of their spending, available balance and any offers that may be available. Unlike other credit card providers, once payment is made, a receipt is forwarded and the balance reflects the payment made immediately - other cards I have used in the past advise a period of two working days before payment is reflected. Timely notification for new statement available and payment due date, but, as a customer, I do not feel pressured or 'badgered' in any way Reviewed on: 21st February 2023

Best credit card provider 2023

I took out a credit card with Zopa last year and now my credit score has improved massively. They are a responsible lender who help improve your credit score by reporting your usage to the credit agencies. Highly recommended Reviewed on: 21st February 2023

Everything simple

Good credit card also use anywhere and easy increase the credit limit and everyone easily apply Reviewed on: 21st February 2023

Easy peasy lemon squeezey

Everything made easy with a Zopa credit card!!! Reviewed on: 21st February 2023

Easy to apply

Was easy to apply , answer was quick and app is easy to understand Reviewed on: 21st February 2023

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