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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

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4.86

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)

Plain and simple credit card

It's a great card easy to use and the app is easy to keep track on all your spending Reviewed on: 21st February 2023

Great card easy to use

Great card great to use and very easy to top up also Reviewed on: 21st February 2023

Easy and straightforward

Easy to use and repayments are instantly Taken off your balance Reviewed on: 21st February 2023

Outstanding service

Amazing customer service and easy to apply for. I was a first time user of a credit card and felt the information given by Zopa helped me make the best decision for myself. Reviewed on: 21st February 2023

Simplicity

Zopa makes accessing and managing my credit card simple and easy to use. They also provide tools to manage credit debit and to stay on top of payments ensuring we never miss a payment. Reviewed on: 21st February 2023

Great credit card provider

I am happy with the product they are offering. Reviewed on: 21st February 2023

Great product

App is so easy to navigate. Payments are instant. Overall a great experience Reviewed on: 21st February 2023

Happy

Mycredit is not good so I was glad to find out I old get credit card with Zopa and I'm happy with it. Hoping to build up my limit and my credit! Reviewed on: 21st February 2023

Great card , sweet app

The title says it all really , the card has a god limit and the app works consistently. There are no downsides to the card/app whatsoever. Reviewed on: 21st February 2023

Zopa loan

Friendly team transparent user friendly app Reviewed on: 21st February 2023

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