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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)

Efficient

From checking my credit rating, to using the app & credit increases, everything has been explained clearly. The app is really easy to use. Reviewed on: 21st February 2023

Easy

From applying and being accepted it was so easy ,also no problem using the credit card on line or in a shop excellent service all round . Reviewed on: 21st February 2023

I love zopa

Very good service I love zopa . I use zopa card ever. Reviewed on: 21st February 2023

Fantastic

Couldn’t ask for a better bank easy to get hold of and easy using there bank app Reviewed on: 21st February 2023

Fab

Fantastic card no problems at all 100% recommend Reviewed on: 21st February 2023

Financial peace of mind

Before Zupa my finances were all over the place but this amazing company made money management a lot easier Reviewed on: 21st February 2023

Very good

Easy to apply, low monthly payments very happy Reviewed on: 21st February 2023

Great credit card

Zopa gave me a credit card when my credit score was bad and they are now helping me build my credit to a better level. They also offered me a good interest rate Reviewed on: 21st February 2023

Amazing credit card for first timers

Never had a credit card? Get Zopa! It’s so easy to use and access. Terms are clear and you can contact customer service easily! Reviewed on: 21st February 2023

Zopa credit card products

This card is best one I have had the good thing I like about it is when I pay my balance or more it registers within minutes on my card. I love how Zopa have enabled this. Reviewed on: 21st February 2023

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