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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

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4.87

Based on 44,354 reviews, last reviewed 1st Sep 2026

100% decrease in 5 star reviews

in the past 90 days

50% 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

This is illegal company, they charge about every thi... This is illegal company, they charge about every thing sometimes even for nothing... Government should be enquire about this...I can challenge it's a ... Read more Reviewed on: 1st September 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 (44354)

customer service

super customer service support, very helpful and answered my questions Reviewed on: 25th January 2022

Professional

Professional customer service and easy to use the app, always updating my borrowing power which helps to keep my account in control. Balance is instant to use Reviewed on: 25th January 2022

Clear upfront details

Simple to follow app, all very understandable and good customer service. Fabulous. Reviewed on: 25th January 2022

Rebuilding

Helping me rebuild my credit score Reviewed on: 25th January 2022

The best credit card

Very efficient and reliable, the best credit card oug there . Reviewed on: 25th January 2022

Responsible lending

Both my husband and myself have used products from Zopa including a credit card. The limits are responsible and customer service easy to get hold of. Reviewed on: 25th January 2022

Brilliant service

Since I’ve been with Zopa, they have provided me with a brilliant service from first set up to use, I can’t recommend highly enough Reviewed on: 25th January 2022

Zoptastic

I signed up for Zopa last year, and it has been the best thing that happened to my credit history. With Zopa, as long as I spend and payback on time. They do not charge me interest. They make sure I am not overspending. There are many great features for using the app. You can chat with a live agent in an instant. I highly recommend Zopa.... Reviewed on: 25th January 2022

Zopa the card to have!

Great App! Easy navigation! Great customer service! Kept updated with statements/payments due! Reviewed on: 25th January 2022

Fantastic

Easy to use appand fantastic customer service Reviewed on: 25th January 2022

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