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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)

Credit card

Excellent service and easy to use the service. I will recommend anyone to explore that Zopa credit card. Thanks Reviewed on: 21st February 2023

Very good

Good experience all round highly recommend Reviewed on: 21st February 2023

Excellent company highly recommend

Excellent service, very good experience with company highly recommended. Reviewed on: 21st February 2023

REALLY easy and simple to get started

We needed a credit card to improve our score and help out with the day to day surprises that we don't typically have a back up for! So we were delighted to be accepted and the app is perfect for us to check balances and spend on the go! Reviewed on: 21st February 2023

Star

It's simple to use and affordable to pay back Reviewed on: 21st February 2023

Great product

Easy to use, good customer service Reviewed on: 21st February 2023

Simple credit card that gives you control

Zopa allows me to look after my finances. The cushion makes sure I have a budget for unforeseen situations. Reviewed on: 21st February 2023

Lots of hassle

The card isn’t user friendly and it hasn’t done anything for my credit score as it states Reviewed on: 21st February 2023

brilliant card

easy to use and fantastic value. best card i've had Reviewed on: 21st February 2023

Thank you very much

Useful and helpful. Thank you very much for the opportunity to have a credit card Reviewed on: 21st February 2023

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