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Zopa: Credit card reviews

View other Zopa products
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
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
HAIZHONG N's avatar
HAIZHONG N

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
Sherlin's avatar
Sherlin
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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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Zopa Credit card reviews (44353)

Overall a decent experience

4
Very decent company, and easy to use app which makes making payments and setting up direct debits very easy Reviewed on: 21st February 2023
Samuel Carman's avatar
Samuel Carman

Reliable and helpful

5
Really friendly credit card, good for first timers. Reviewed on: 21st February 2023
Amy's avatar
Amy

Very helpful and straight forward

5
The app is very useful and easy to use it is sample and straight forward it tells you all the information you need and easy to navigate around Reviewed on: 21st February 2023
Dean Bussey's avatar
Dean Bussey

All good

5
I’m very happy Reviewed on: 21st February 2023
Isabell's avatar
Isabell

Affordable and fair

5
Unlike some other credit cards, Zopa starts you off with a sensible affordable limit with affordable repayments. This allows you to build your credit score over time. Reviewed on: 21st February 2023
Martin Blakely's avatar
Martin Blakely

Outstanding

5
Outstanding user friendly very good Reviewed on: 21st February 2023
Thoufeeq Hussain's avatar
Thoufeeq Hussain

Best credit card

5
Excellent service. Good to build credit record. Very good app Reviewed on: 21st February 2023
AYODEJI AKEJU's avatar
AYODEJI AKEJU

Great

5
Great for when needing a bit extra cash Reviewed on: 21st February 2023
Marie teah's avatar
Marie teah

Excellent customer service

5
I was having issues understanding my balance and after seeking help from the live chat, my problem was solved quickly and efficiently. Reviewed on: 21st February 2023
Carla Tither's avatar
Carla Tither

Excellent customer service

5
Quick response for every service provided Reviewed on: 21st February 2023
Arthur Gill's avatar
Arthur Gill

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