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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)

Helpful

Excellent customer service and service Reviewed on: 21st February 2023

Awesome company

Brilliant and easy to use facilities Reviewed on: 21st February 2023

Great card company

Easy to use and love the app to watch spending and make paymwnts Reviewed on: 21st February 2023

Great service

Since taken out my card with Zopa I have received the best service I could possibly want. In these hard times we are living in they have been very understanding if I have not been able to make payments. Unlike other who threaten with legal action Reviewed on: 21st February 2023

Great company great staff

Always there when you need them great guys Reviewed on: 21st February 2023

Bad credit ,yet still they have me a chance

Zopa accepted my application less that 24 hrs eventhough my credit score was very low.I am very grateful that they gave me the chance to build my credit score. Reviewed on: 21st February 2023

Top all round finance

Easy to use finance which I keep track of what I’m spending on my mobile app. Really has helped me build up my credit rating and keep within my budget. Would recommend to anyone. Reviewed on: 21st February 2023

Easy balance transfer with spending safety net

I was thrilled that the process of getting a Zopa balance transfer credit card was so quick and easy. I wasn't expecting the extra "spending" limit on top of tye balance transfer and I think this is an excellent way to help people out with managing their debt - not always easy with a hoyse full of children! Thanks Zopa Reviewed on: 21st February 2023

Great commutation

Great at keeping me up dated on my account and helping me gain a better understanding on my spending Reviewed on: 21st February 2023

Happy

I am happpy with this credit card Reviewed on: 21st February 2023

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