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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)

Would recommend this credit card to friends and family

Great credit card Zopa worry free payment easy understanding Reviewed on: 21st February 2023

Brilliantly easy to use and full of information

Using Zopa has actually been very beneficial, they have actually raised my credit score for me, the app gives so much help and information on how to keep raising my credit score. Every time I use my card it tels me how much I've spent and when I open my app it tels me how much I've spent and is left. Best card company I've ever used. Reviewed on: 21st February 2023

Great

I’m happy with my zopa card. The statements are very clear and easy to understand. Thankyou for the credit Reviewed on: 21st February 2023

Great Credit Card Company

As a customer I always feel informed about any changes that are occurring with my account. I receive regular updates on my account keeping me on the know at all times. Correspondence received in relevant and not unnecessary, like with some other providers. Reviewed on: 21st February 2023

Simply amazing

Brilliant card plus easy app as well Reviewed on: 21st February 2023

Well rounded card

As one of the few cards that would work with me in happy with their rate's and ease of use Reviewed on: 21st February 2023

Excellent provider.

Very helpful and professional service. Just a great company. Reviewed on: 21st February 2023

THE BEST !

Manageable and sensible credit limit Monies paid are immediately credited Perfect Reviewed on: 21st February 2023

Simple, friendly, reliable.

never thought credit card company will accept me. Zopa did .first. good experience,I always pay in full on my payday,can rely on you m thanks. Reviewed on: 21st February 2023

Credit Card

Easy straight forward credit card app very helpful with money management Reviewed on: 21st February 2023

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