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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)

Mumtaz Butt

The response is very quick but problem don't have effecent customer advisor over phone Reviewed on: 21st February 2023

Great little card

Lovely little card, easy to use. Great app Reviewed on: 21st February 2023

You NEED this credit card

Easy to apply, easy to download the app and navigate. Really great credit card design. Great interest rates. Outstanding customer service. I wouldn't trust any other company but zopa! You need this credit card! Reviewed on: 21st February 2023

Great experience

Super easy No fuss No problems Reviewed on: 21st February 2023

Really easy to use

so simple and really good for a first time credit card user Reviewed on: 21st February 2023

Awesome

Great credit card accepted instantly and very happy. Reviewed on: 21st February 2023

Easy to apply and use

They’re really easy to apply with and use their card and app. It also helps how clear the app is set out and the notifications help you manage your spend. Reviewed on: 21st February 2023

Amazing company & fantastic customer service support

All round excellence. Fantastic company to have my credit card with. The apps is great and always works well. And just never have any problems. Thank you Zopa! Reviewed on: 21st February 2023

Good

Good card easy to use and good app Reviewed on: 21st February 2023

well managed

my first credit card and i have had no issues, easy to set up and use, good apr and carefully managed limit Reviewed on: 21st February 2023

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