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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)

Brilliant card

So easy to use and the app lets you manage everything. So pleased with my card Reviewed on: 21st February 2023

Great card - user friendly

I was offered the card to help build my credit score that was very low a few years ago and this card has helped build it up to an excellent overall score. Great card and user friendly app Reviewed on: 21st February 2023

Easy

Easy to use and helpful. If I need to ask questions they are quick to respond Reviewed on: 21st February 2023

Wonderful

I am new to using Zopa and have nothing but good things to report on. The communication between Zopa and customers is fabulous and their customer services have been a great help! Reviewed on: 21st February 2023

Great credit builder

I had a poor credit score for most of my early adult life and it came a time to start working on it. After being knocked back by all major credit companies, I found Zopa. Zopa made it quick, easy and simple for me to not on find and apply, but to be accepted for a card that helped me massively improve my credit score and regain some independence. Rates are great and the app is fantastic. I would and have recommended Zopa to friends and family. Reviewed on: 21st February 2023

Easy peasy lemon squeezey

Very simple process to apply and download the app,easy to manage, if your looking for a simple credit card … then i highly recommend Zopa! Reviewed on: 21st February 2023

Amazing

Got accepted quickly and good easy app to work with Reviewed on: 21st February 2023

Credit Card

I have found this card to be useful, as it is widely accepted. Also, I've had no issues with repayments via the portal. Furthermore, any issues I've had have been dealt with promptly, and resolved just as quickly; I had some financial issues and Zopa allowed me to defer a payment with a promise to pay and I did not incur any extra interest as they froze it temporarily due to my circumstances. Reviewed on: 21st February 2023

Best credit card I own .....

Been with zopa just over a year, started with £400 credit, they put up to £1100....I love how easy it is to keep track with a great App that makes it easy for older people to understand.... Reviewed on: 21st February 2023

Zopa is the best credit card

It helped me build my credibility and zopa team is always helpful for the smallest doubt you have. Thank you for the support. Reviewed on: 21st February 2023

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