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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)

Happy customer

I have easy access and a reminder when payments are due, so your never have a late payment fee. Easy to use card Reviewed on: 21st February 2023

Pretty good

I will love to use the card for the rest of my life because it make life easy Reviewed on: 21st February 2023

Excellent credit limit

I got a credit card with Zopa after many attempts from other companies but due to my bad credit history no-one would give me a chance but then Zopa did and 400 credit limit really helped me out so thank you Reviewed on: 21st February 2023

Great

Great company to have card with fantastic Reviewed on: 21st February 2023

Awesome

Awesome bank. Provided me with the credit I need Reviewed on: 21st February 2023

Zopa Credit Card

The app is easy to use and understand. Brilliant customer service Reviewed on: 21st February 2023

Amazing customer service.

Never had an issue with Zopa. Affordable payments and very helpful when you ring up customer service. Highly recommend. Reviewed on: 21st February 2023

Credit card

It's amazing how easy and convenient is the apple I am using for the credit card. I Love it. Reviewed on: 21st February 2023

Fantastic credit card

Really love my Zopa credit card..really easy to apply and receive. Reviewed on: 21st February 2023

Good

Quick decision but never uped my spend cap after over 1 year Reviewed on: 21st February 2023

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