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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)

Really simple to apply

Really easy to apply and the app is really easy to use too. Reviewed on: 21st February 2023

Great service

The app is really great for keeping on top of your finances. Reviewed on: 21st February 2023

Very clear, fast application and app

From the get go, Zopa understood my needs and were very facet in setting up account. Very clear app with options of credit cushion so no over spending. Reviewed on: 21st February 2023

Perfect service

As someone with a mediocre credit score I was accepted . This was perfect for me Reviewed on: 21st February 2023

Best experience and quite happy

I have been using multiple credit cards. But this card is simply awesome when compared with others. Happy using since last 4 months. Reviewed on: 21st February 2023

Great

Very well updated and help with payments Reviewed on: 21st February 2023

Best customer service

Quick acting and positive customer service, always on the other end of a call no matter how small the issue Reviewed on: 21st February 2023

Easy to manage

Easy to manage your account with useful tips to improve credit score. Highly recommended! Reviewed on: 21st February 2023

Perfect for first time credit

Zopa have been fair and helpful I've been with Zopa for a while now and I have never had a problem with them Reviewed on: 21st February 2023

Got card when needed

Easy to apply for credit card snd quick. Reviewed on: 21st February 2023

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