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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)

Service

Excellent service, good for credit building and good for youngsters to improve credit rating Reviewed on: 21st February 2023

Outstanding

I loved this card when on a family holiday. My wife’s bag got stolen with our cash in it and so we just used my Zopa credit card for the rest off the holiday. It was great Reviewed on: 21st February 2023

A credit card reinvented

Love the Zopa App and experience. Clear and concise with a modern feel and connected information. Reviewed on: 21st February 2023

Credit building life line

My credit rating was poor, luckily i was able to apply for a Zopa credit card. I use it and pay more than the minimum balance and my credit rating is improving every month! Thank you. Jason Floyd Reviewed on: 21st February 2023

Easy, simple

Good interest rates, really clear and easy App Reviewed on: 21st February 2023

Great company!

Always provide a great service and always very helpful and friendly. Fantastic company. Reviewed on: 21st February 2023

Fantastic card and service

Great customer service and great card with buffers, aswell as other financial services for future Reviewed on: 21st February 2023

Excellent card

I have found this card to be extremely helpful and customer service is very much helpful with all issues. This has always been from start to finish and I always get updated on the app. Reviewed on: 21st February 2023

Credit Card Management Made Easy

The Zopa app is key to the whole Zopa experience, for me it means I can easily manage my credit card while taking note of and implementing the help/advice the app provides to increase your credit score and manage your credit responsibly. Which sounds like a whole lot of marketing guff, right? It's true though, Zopa have managed to strike a harmonious balance between providing credit via their credit card product and providing people with the tools to manage and improve their credit score all within 1 app. Reviewed on: 21st February 2023

Excellent service

Have never had any problems every transaction has been straight forward Reviewed on: 21st February 2023

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