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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.

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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)

Awesome

Amazing app simple to use and easy for repayments Reviewed on: 21st February 2023

Easy to use product.

Happy with how easy it was to apply for the credit card and how easy the repayments are. Reviewed on: 21st February 2023

Excellent service

Easy helpful service provided ***** service Reviewed on: 21st February 2023

Excellent

Excellent credit card and savings account really enjoying my credit card and my savings account to high interest rate Reviewed on: 21st February 2023

A responsible lender with smart options

I have had many issues with credit cards offering me a higher credit limit than I can afford and not taking any responsibility for the debt they leave me at risk of. Zopa is not one of these lenders, Zopa has always been transparent and careful about any increases offered. Additionally they have a great feature called credit vision which allows me to block off part of my credit in case of emergencies Reviewed on: 21st February 2023

Smart

I just think that zopa is better than others because it's to easy to use & i have been using zopa for some quite time now. and im happy with it no problems with them at all. if u need anything they wil help you. & help you with you're account. Reviewed on: 21st February 2023

Customer orientated

Great credit building card, zopa keep me informed how I am building my credit score. Also a great Apr rate not too expensive compared to others. Reviewed on: 21st February 2023

Love it

Use my card all the time it brilliant and easy to use Reviewed on: 21st February 2023

Brilliant product, quick and no faff

Easy to get started and great rates. Reviewed on: 21st February 2023

Easy to use

Easy to use and app to keep you updates on spend along with alerts when you spend... Perfect for credit building Reviewed on: 21st February 2023

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