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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)

Great customer experience

From beginning to end this whole experience had been a breeze and explained at every step. Would recommend to everybody. Reviewed on: 21st February 2023

The best credit card ever!

Low fee! Easy to use! The best way to borrow money! Reviewed on: 21st February 2023

Easy and good company to speak to always friendly and helpful

Best experience I’ve had never had an issue with my card would be nice to have a better limit but for now it’s still help full Reviewed on: 21st February 2023

Simple CC

Easy to use, instant updates! Absolutely no brainer to use! Reviewed on: 21st February 2023

Zopa helps people with low credit score to rise it

I applied for this card when I had below an average credit score , they did not have a problem to approve my application , good customer service . And thanks for monthly reports my credit score is going up Reviewed on: 21st February 2023

Excellent service

After switching to Zopa I have enjoyed having my credit card with them. The clarity of the app is excellent and I know exactly where I stand. Reviewed on: 21st February 2023

Easy to use

Helps build credit and flexible withbpayment dates. Reviewed on: 21st February 2023

Great Features

Pending interest charges let’s you avoid going over limits, buffer option is fantastic Reviewed on: 21st February 2023

Excellent

Easy to apply for and easy to maintain the account Reviewed on: 21st February 2023

Genuine service

Not pushy helpful credit card company, informs you of your credit weaknesses and what you can do to improve/increase limit. Would recommend for anyone who knows little about bank jargon etc Reviewed on: 21st February 2023

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