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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 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 (44347)

Free foreign currency transactions and best exchange rates.

Being an Airline Pilot I travel a lot. Historically, using my debit or credit card abroad always incurred fees and charges. However, I then discovered Zopa - no more foreign currency exchange fees or extortionate rates. Also, online shopping on European or other currency websites is feasible as I can choose to pay in GBP or using their own currency. Highly recommended Zopa credit. Reviewed on: 21st February 2023

Very good

I’m pleased with the experience Reviewed on: 21st February 2023

Affordable and good credit builder

Affordable and good credit builder Reviewed on: 21st February 2023

Amazing & friendly interface!

Amazing, really good interest & a great credit builder! Reviewed on: 21st February 2023

Get ZOPA and feel SUPER!!!

Excellent customer service right from application to phone dealings. Processes are quite user friendly and straight to the point Reviewed on: 21st February 2023

Fantastic

Brilliant card to have Zopa are always keeping me up to date with any changes Reviewed on: 21st February 2023

Great way to increase credit score

Great way to increase credit score, very easy to use app and clear information Reviewed on: 21st February 2023

Easy card

Great card start up very quick and professional Reviewed on: 21st February 2023

Quick service

I’m very happy with my Zopa card, main reason being that I can pay off the balance immediately. No holding payments for days on end and account balance cleared in seconds. Reviewed on: 21st February 2023

Excellent clear service

Such a good credit card simple to use great online banking app Reviewed on: 21st February 2023

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