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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)

Smooth experience

Great app, excellent services - I particularly like being able to run a savings account alongside the credit card, and have a buffer on the credit card Reviewed on: 21st February 2023

zopa review

great company. great app very easy to use Reviewed on: 21st February 2023

Great

Quick repayment that instantly shows up, unlike other credit cards that can take days. Reviewed on: 21st February 2023

Easy to use and kept up to date with everything monthly

No complaints whatsoever app easy to use payments easy overruling fuss Reviewed on: 21st February 2023

Good Company/Easy to use

The company allows access to all credit requirements online. Your finances are clear and it’s easy to make payments, change credit limits where required. Reviewed on: 21st February 2023

Would recommend to anyone, so handy having the app to always be able to check balance etc

The support is great if have any questions and really like the notifications when you spend so you know what’s going on all the time, very clear and easy to use Reviewed on: 21st February 2023

Unbeatable

This is the only credit card I have got or ever had and wouldn't go anywhere else for one. Easy to use, easy to make payments to, easy to adjust payments, have credit cushion so dont get too close to maximum credit. Reviewed on: 21st February 2023

Brilliant card provider

Works very well and instant credit when paying your card Reviewed on: 21st February 2023

Great for making my credit better

Would highly recommend they have been so helpful for me Reviewed on: 21st February 2023

Good company

Excellent service, love the text message reminder of payment so I don't forget to pay Reviewed on: 21st February 2023

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