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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)

Good card

Great card to help me build credit and had an offer on a balance transfer Reviewed on: 21st February 2023

Effortless

Every step is so easy, from application to receiving the card to setting up the app and more. Reviewed on: 21st February 2023

Handy

I find Zopa easy to use and very handy when things are a bit tight. The interest for my spending is very little to which is just great! Zopa has definitely saved me a few times and would recommend them to my friends all day long Thanks Zopa for having my back! Reviewed on: 21st February 2023

Good customer service

Very good customer service and app very easy to use Reviewed on: 21st February 2023

Helping bad credit

I couldn't get a credit card anywhere and zopa helped me out in these hard times Reviewed on: 21st February 2023

The credit company that cares

Customer service listen to what you say and go the extra mile to help its not just about money they make you feel appreciated Reviewed on: 21st February 2023

Amazing

Very helpful when need something sorting out Reviewed on: 21st February 2023

Easy to manage

Easy to check and see all accounts, credit card and loans in one place. Reviewed on: 21st February 2023

They are excellent in all they do

Zopa is so easy to reach. Their technology is simple and easy to Understand. They are prompt in their response to Any query. I love them Reviewed on: 21st February 2023

quick and safe

really nice to use abroad and no charge with extra charge like other banks and easy to pay back Reviewed on: 21st February 2023

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