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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)

Make you feel valued

The service never changes if I use all or none of my limit! I’m always kept up to date of any changes. Customer service is friendly and helpful and the app is fantastic beat card I’ve ever had.. highly recommended Reviewed on: 21st February 2023

Trustable company

I am with zopa for less than a year but i have already recommended my friends and family as the service is so quick Reviewed on: 21st February 2023

Review in Zopa and their services

Hi I’ve been a Zopa customer for a while now, they are a very good company with an easy app to use. Whenever I have needed help they have always been available. Not only that but my credit score has improved drastically because of Zopa. Highly recommended and I now have family and friends joining. Reviewed on: 21st February 2023

Is ok

Better stronger and reliability Reviewed on: 21st February 2023

Exactly as expected

Simply a credit card that has everything you need to know at your fingertips Reviewed on: 21st February 2023

Easy communication

Convenient service and commmunication with the team is easy and very transparent Reviewed on: 21st February 2023

Fab service

Easy app easy managing account. Brilliant service never had any issues Reviewed on: 21st February 2023

Good communication and affordable rates

I was looking for a credit card that have affordable rates and I found Zopa credit card which I am very pleased with especially that most of other companies have high rates. Zopa also have a great communication as I am always informed about any changes even if they are very little changes. Reviewed on: 21st February 2023

ZOPA IS THE BEST

I have tried many Creditors & credit cards in which I cancelled since using ZOPA. ZOPA is so easy to use and fairly stretched, I like that you can get rewards and perks and your credit can go up depending on how your repayments etc are. I have referred 5 friends to ZOPA who also have accounts now and absolutely love it. I am a loyal customer and will be for ever now! I will continue to refer people to ZOPA for as long as I use this service. Thank you to the lovely ZOPA team as well who have always been so so helpful and kind. Reviewed on: 21st February 2023

Best credit provider

Zopa is without doubt the best credit provider! Reviewed on: 21st February 2023

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