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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)

A great company

A great credit card company, myself and my family have used for a while now. A great app to use too. Reviewed on: 21st February 2023

Life saver

With 2 in one card spending balance of £900 and balance transfer, I was able to transfer balance of 3 credit cards I had and close those accounts which help my credit score and have £900 of spending balance left. Only had 2 bills at the end of the month instead of 5. Life saver Reviewed on: 21st February 2023

Fantastic bank

Absolutely brilliant would recommend them too everyone Reviewed on: 21st February 2023

Fantastic service

App is easy to use. Application was quick and uncomplicated. Your kept informed of your borrowing power which I find really useful. Reviewed on: 21st February 2023

ZOPA

Satisfied customer and quite happy with the services Zopa provided Reviewed on: 21st February 2023

Good

Easy to make payment and no fussy at all Reviewed on: 21st February 2023

Toop

Zopa number 1 Uk Number 1 Number1 Reviewed on: 21st February 2023

Amazing

Always perfect service using the card with an on board team of outstanding customer care services couldn't ask for a better credit card Reviewed on: 21st February 2023

BEST and super easy to use

I love home simple and easy the app is to use. Everything is clear and everything you need is right there. The alerts are useful too and not unnecessary promos like you get from other company’s. Would recommend 1million percent A***** Reviewed on: 21st February 2023

Communication is Key

Great card with all dealings completed on the app. Fully kept up to date with balance and reminders are sent periodically. Simple app to navigate, and all information easy to follow. Reviewed on: 21st February 2023

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