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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44353 reviews)

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4.87

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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Best credit card provider

Hi guys this is an amazing credit card provider they will give you a limit that suits you & customer service very polite & amazing good work guys Reviewed on: 21st February 2023

Top company

Zoto deliver. Spot on Reviewed on: 21st February 2023

Good card.

Good communication. Easy access to app and customer care. Good payment amount to pay back. Reviewed on: 21st February 2023

The best One's among many

The best credit card company so far, the application never went down, Alloway get notifications for any incoming or outgoing. 100% RECOMMENDED TO any one starting this journey Reviewed on: 21st February 2023

Great help

Very helpful staff! Great customer service Reviewed on: 21st February 2023

100% recommend

Zopa is so easy to use and understand and I have recommended the card to many of my friends that were looking to get a credit card and have had no complaints from any of them x Reviewed on: 21st February 2023

Superb starter card

Superb starter card for anyone with bad credit. Excellent app which is so easy to use. Just a brilliant company who has given me a second chance. Reviewed on: 21st February 2023

Good service all round

Always receive 10/10 service, website and app are easy to use and Zopa notify us if there are any changes etc Reviewed on: 21st February 2023

Easy and reliable

Would definitely recommend, was easy to apply and set up app and is really easy to navigate Reviewed on: 21st February 2023

The freedom!

Never a dull moment in life and anything can surprise you, having the knowledge that I've a Zopa credit card in case of emergency or if I see something I want gives me better freedom to do what I want in life and not be restricted by money issues! Reviewed on: 21st February 2023

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