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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)

Excellent card

This card has been so useful to me. It works extremely well in every country that I have been to. Can’t think of any faults. Well done Zopa! Reviewed on: 21st February 2023

great service

Zopa is easy to use and the company seems to be a responsible lender as they ensure you can meet the repayments before upping your credit limit. It's reassuring to know I have emergency funds available and the app makes repayments and keeping a check on my balance easy Reviewed on: 21st February 2023

Excellent

Excellent product with great and easy to use app, would recommend to anyone. Reviewed on: 21st February 2023

Simple but effective

Zopa is simple to use and does exactly what it says on the tin. Their app is great to use and every time I have called or needed to contact customer service they have been helpful and solved my issues in a timely manner Reviewed on: 21st February 2023

Easy hassle free

East to use on the app , friendly hassle free Reviewed on: 21st February 2023

Excellent, Transparent Company

Great process from applying to receiving card. Great app really easy to manage funds. Reviewed on: 21st February 2023

Zopa

My experience so far has been excellent Reviewed on: 21st February 2023

Excellent Credit Card

Excellent Credit Card, suits my needs and clear and easy terms of use. Reviewed on: 21st February 2023

Best credit card

No hassle no fuss quick response to any queries. Reviewed on: 21st February 2023

Good rates and no problems

Great credit card, would recommend to everyone Reviewed on: 21st February 2023

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