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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 Service

All round great card and service. Reviewed on: 21st February 2023

Zopa credit card

I have enjoyed using Zopa. The app is easy to use and user friendly, has all the information needed. Reviewed on: 21st February 2023

Credit card

App is easy to use. And easy to understand Reviewed on: 21st February 2023

Fantastic service

Great card with a modern, easy to use app. Reviewed on: 21st February 2023

It's great

Very easy to use app reminders about payment and how much credit you've used card came within few days love it Reviewed on: 21st February 2023

Perfect card to have no problem accessing account or using of card

Good card no problem with it at all paying back is very easy Reviewed on: 21st February 2023

Easy

Zopa credit card is very easy to use the app is great no messing around everything is straight forward with nothing hidden and it alerts you as soon as you spend so you can keep track very pleased with the service provided. Reviewed on: 21st February 2023

Responsible lending

I’ve struggled with bad credit ratings since losing my business in 2009. After trying several credit cards I’ve found that Zopa are by far the most responsible lender and give advice all the way and never offer a credit limit which they aren’t extremely confident it is the right limit for your circumstances. The app is very easy to use and they don’t bump up the interest rates just because it suits them! Yes they increase in line with the BOE base rates but they won’t just increase because they can squeeze more money out of you like many other credit builder cards Reviewed on: 21st February 2023

Great card, easy to manage

Been using Zopa credit card for about 5 years and its been great for all those costs that come from no where. Easy to use and easy to manage Reviewed on: 21st February 2023

Reliable and easy to use

Zopa app is very easy to use and helpful! Reviewed on: 21st February 2023

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