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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)

At times things have gone wrong especially last year...

At times things have gone wrong especially last year were i had a very bad time because of bank fraudulent activity its been a long journey but im getting there. When I have had to chat with a responsive they have understood better than my bank. I got what was taken out by the fraudsters but with late payment charges etc i had to start with 27 pence in my account so all I can say is be honest if your in trouble financially always be true and the boys and girls who are there at the end of phone call they will do their best to get you back on track not just with them but with all creditors. Reviewed on: 16th April 2026

Perfect choice.

Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

Excellent

Friendly staff easy to get a credit card plus top Up on it over time would recommend them to my friends and family very happy with you Reviewed on: 16th April 2026

Good excellent very fast service

Good excellent very fast service Reviewed on: 16th April 2026

I have been using Zopa credit card now since the beg...

I have been using Zopa credit card now since the beginning of Feb. It helps me in emergencies and has been a lifeline to me so far. Reviewed on: 16th April 2026

Been fantastic every time I've needed help.

Been fantastic every time I've needed help. Reviewed on: 16th April 2026

Very professional company and very helpful

Very professional company and very helpful Reviewed on: 16th April 2026

Great service and support!

I have found all Services with Zopa to be excellent, including customer service if I have any questions. I would have no hesitation in recommending Zopa to my friends and family. Reviewed on: 16th April 2026

Simple to use app and simple to apply.

Simple to use app and simple to apply. Very good communication about services. Lots of finance options available via the app including isa. Reviewed on: 16th April 2026

Very helpful and explained everything clearly.

Very helpful and explained everything clearly. Reviewed on: 16th April 2026

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