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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 card

Great and easy to use, customer service are fantastic and you know exactly what's happening with their app Reviewed on: 21st February 2023

Absolutely brilliant credit card

Very easy to use and never a problem using my credit card and when making a payment Reviewed on: 21st February 2023

Easy to manage instant credit

Fantastic app, easy to use. Great repayment options , excellent customer service Reviewed on: 21st February 2023

Simply brilliant

Zopa are a fantastic credit provider and understanding of all scenarios. Couldn’t recommend them highly enough Reviewed on: 21st February 2023

Credit Card

Very good company to deal with easy and no underlying costs Reviewed on: 21st February 2023

Chance,Repair,straightforward

Zopa took a chance on me after some financial turbulence in my life, regular reviews and full product information and range of products available allows as your credit repairs to access more financial facilities and seems to work well Reviewed on: 21st February 2023

Positive experience

Easy to use app, notifications when payment is due. When I closed an old account it was very quick and easy. Can’t ask for more to be honest. Reviewed on: 21st February 2023

Zopa is simply the best credit card out there

Customer service is excellent, professional and always ready to answer your questions. The most impressive feature in the app is the Borrowing power update; which tells you just what you need to know about your credit history and what options are available to you if and when ready to apply for a loan or car purchase etc. I’d highly recommend the service provider. Reviewed on: 21st February 2023

Fast and straightforward

Applied and got a reply almost straight away. I also have the app which is easy to use and very helpful. Would recommend to a friend or family. Reviewed on: 21st February 2023

Great credit card company

Great customer service and always willing to help. Reviewed on: 21st February 2023

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