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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)

Easy to use

The app is really easy to use. They give you a “borrowing power” rating that also takes info from your credit report and presents it on the first screen so you can easily see what you can work on it improve your rating. It’s really easy to find your APR and make changes to your Direct debit, both are things that other credit card companies make harder than Zopa. Reviewed on: 21st February 2023

Really helpful

The app is very useful and easy to use. Have found they have great customer service. Reviewed on: 21st February 2023

Great and easy

I must admit that it was easy to apply for this credit card. Fantastic and easy to set up monthly payments. Thank you Zopa Reviewed on: 21st February 2023

Great service

Best credit card that I’ve had Service is second to none Reviewed on: 21st February 2023

Best credit card

I was accepted for Zopa credit card and i have never looked back. Amazing app with payment reminders and help to boost your credit score. Try it out!!!makes credit mire enjoyable. Reviewed on: 21st February 2023

Helps you out in a pickle

When ever you are low on funds Zopa is there to help Reviewed on: 21st February 2023

Very easy to use and helpfull customer service

Great card. App it very easy to use and you can create a buffer zone on your credit limit to keep for emergencies. Best card I have ever had by far Reviewed on: 21st February 2023

Easy process

Really easy to open your account and process your payment Reviewed on: 21st February 2023

Changed my view on credit cards

Having zopa has really changed how I see credit & how I use it! Thank you!! Reviewed on: 21st February 2023

Fantastic flexibility

Interest rates are very good, and the customer service is outstanding. The app is very easy to use and access all information needed! Would highly recommend Reviewed on: 21st February 2023

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