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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

Never had any issues with the provider or how I manage my account Reviewed on: 21st February 2023

Brilliant fed back always updates

Easy to use your kept updated easy app full of helpful tips Reviewed on: 21st February 2023

Easy to use and straightforward

Great customer service and easy to use app. Great rates and straightforward information. Reviewed on: 21st February 2023

Great

Very good product easy to use app Reviewed on: 21st February 2023

Good company and great customer service.

As per title. Just a smooth (and at the time) quick experience throughout. No need for lots of words here - just a very positive experience all round. Reviewed on: 21st February 2023

Credit limit too low

I have been using Zopa credit for almost a year and paying and clearing my balance every month most of times but my credit limit is not increased Reviewed on: 21st February 2023

Very fast transactions and low fees

Good for credit build and for those who have low credit score Reviewed on: 21st February 2023

Best Credit Card

Zopas credit card is easy to use in the U.K. and abroad. Reviewed on: 21st February 2023

Brilliant

Such a easy company, the app is really easy to use Reviewed on: 21st February 2023

Amazing customer service

Very understanding, when I was between 2 jobs and had to change the repayment date Reviewed on: 21st February 2023

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