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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)

Very good

Easy to use the money and easy to pay back too Reviewed on: 21st February 2023

Best credit card on the market.

Zopa is easily the best credit card i have ever owned, everything in the app is easy to use and they stay in contact to make sure you don't overspend also if ever i have had to contact them by phone or email my query is always dealt with immediately and most importantly you get to speak to someone quickly or they get back to you promptly. I cannot praise them enough . Reviewed on: 21st February 2023

Excellent

Top notch excellent service well coordinated Reviewed on: 21st February 2023

Easy and up front

everything about their processes and customer care is easy and understandable Reviewed on: 21st February 2023

friendly,helpful,understanding and polite.

I have always had help when needed Reviewed on: 21st February 2023

Excellent company

I've had a good experience with this company. Great communication. Reviewed on: 21st February 2023

Amazing credit

I absolutely love Zopa. Very efficient and if you get any issues they’re dealt with in a friendly manner Reviewed on: 21st February 2023

Brilliant Little life saver it helps to build your credit

Zips are amazing for not charging extortionate interest so you can build on your credit Reviewed on: 21st February 2023

Instantaneous no nonsense credit

Since I have had this card it has been smooth sailing. The app is superb and updates instantly. So far so good. Reviewed on: 21st February 2023

Brilliant concept

I like that my balance is separate to my spend balance Reviewed on: 21st February 2023

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