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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

Highly recommended

One of the easiest credit cards I’ve ever used, very convenient. Easy pay back and goes straight to your credit no waiting days for it to clear Reviewed on: 21st February 2023

Trust worthy company

Good company through and through good security on my credit card all and all good Reviewed on: 21st February 2023

Best card service ever

Just brilliant very good customer service and so easy to use more so the app Reviewed on: 21st February 2023

Clarity

Up to date messages regarding all aspects of spending, balances etc Reviewed on: 21st February 2023

Zopa started me on the road to a good credit score

Financially not good,zopa started me on to a good credit score Reviewed on: 21st February 2023

There when I need it

When I need to make a payment in any time of need my zopa credit card is there when I need it Reviewed on: 21st February 2023

Recommendations

Best credit card I have used. Simple mobile applications and payments reflect instantly Reviewed on: 21st February 2023

Easy to apply, easy to be accepted, easy to use with the app and generally makes my life easier!

I have a poor credit history but since having the Zopa card I’m getting myself sorted and my credit score is improving Reviewed on: 21st February 2023

Great company

Help me a lot when I was going through a tough time Reviewed on: 21st February 2023

Excellent customer service

Was struggling with my credit report and Zopa gave me a chance and now my credit rating is going up and using card carefully , their app is so easy to use and would definitely recommend Reviewed on: 21st February 2023

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