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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 Credit Card

This is one of the best credit cards I have had. I am kept updated constantly via emails and the app which is very easy to use. Reviewed on: 21st February 2023

Great product

I was able to use my card outside UK in Europe with extra or hidden charges Reviewed on: 21st February 2023

Very efficient

When I make payments they show online almost immediately whilst cards I had previously with other providers would take days to show Reviewed on: 21st February 2023

Brilliant!

Brilliant service from Zopa, exactly what you want and so easy to use! Reviewed on: 21st February 2023

Fabulous experience

Initially set up for a balance transfer. Easy to set up and the app is fantastic Reviewed on: 21st February 2023

Help when you need it most

In these very difficult times,I've always found zopa, to be there when I needed it the most Reviewed on: 21st February 2023

Great company

Upfront and easy to deal with always Reviewed on: 21st February 2023

Good company

Perfect amazing Good company and good people Reviewed on: 21st February 2023

Awesome Card to have in my wallet

Great company and great customer service Reviewed on: 21st February 2023

Great for credit building

Zopa was my first credit card as a new arrival to the UK. The app is great and makes your account super easy to manage, which helped me quickly build up my credit-score Reviewed on: 21st February 2023

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