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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)

Best credit card

They advise how you are doing every month and how to help get your rating better Reviewed on: 21st February 2023

Great card but no apple pay

Good card to have with an easy to use app but it’s less useable because you cannot connect it to Apple Pay. Reviewed on: 21st February 2023

Fabulous

A card where they actually look at your affordability, don't do increases simply for the sake of it unlike others Reviewed on: 21st February 2023

Amazingly efficient

It’s so easy and simple to use! The best service I have used Reviewed on: 21st February 2023

I want to win 1000

Easy to use and I like it and I really wanna win a 1000 thanks Reviewed on: 21st February 2023

A much needed friendly common sense finance company in a crazy world

I'm sure I am not the only person in the UK juggling finances at the moment! Zopa offers a great user-friendly app, a very easy application process and lots of in-app great advice and tips. Most of all this is a great way to help build my credit score back up. Highly recommended :) Paul - Liverpool Reviewed on: 21st February 2023

Great company

Easy to apply for and was accept with not the best credit. The app is also easy to use. Customer service is great too. Reviewed on: 21st February 2023

Great service

Excellent customer service whenever you want and also keep us updated with latest offers Reviewed on: 21st February 2023

Fantastic

Fantastic credit card highly recommend Reviewed on: 21st February 2023

Clear and simple

The cards are simple but colourful while the app system is easy to understand and well laid out thus card is a giid option for those looking for a first time credit card. Reviewed on: 21st February 2023

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