The credit card offers fee-free spending abroad and innovative features such … Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable). What if my automatic payment falls on a weekend or bank holiday. Then click ‘Activate your card’ from your ‘To-do list’ and follow the simple steps. Representative example: When you spend £1,200 at a purchase rate of 24.93% (variable) p.a., your representative rate is 24.9% APR (variable). Zopa Limited (05197592) and Zopa … … Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable). Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable). Fees and rates are subject to change without notice. You can arrange a direct debit for repayments when you apply for the credit card. Representative Example: Representative Example This is an example of the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider. Zopa has received positive reviews from customers, according to customer review platforms like TrustPilot and Reviews.io. Having started out offering personal loans, it’s now aiming to shake-up the world of fixed-term savings accounts and credit cards. If Zopa is able to offer you this deal, the offer will specify a personalised credit limit based on Zopa's assessment of your situation. Years in the making and after the lender’s challenging banking licence approval, Zopa today launched its new credit card. Zopa announced a soft launch of the card earlier this year. Please note we're closed on Monday 25th May 2020 for the Bank Holiday.. Email: contactus@zopa.com Telephone: 020 7580 … Whatâs an automatic payment and how does it work? "Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as … Uploading documents. Many customers praised Zopa’s customer service and simple application process, though some investors on the Zopa platform reported poor returns. How do I change or cancel my automatic payment amount?â¯. Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (withdrawing cash at an ATM, getting cashback at the till, spending at a casino, buying currency, etc.) That’s higher than most credit cards, so Zopa may be primarily targeting the “sub-prime” market – that’s applicants with limited or damaged credit histories. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, Data indicated here is updated In a challenge to the big banks, the peer-to-peer lender plans … This is subject to our terms of use. Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable). finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. You are about to post a question on finder.com: At Finder, we value and respect our editorial independence. Our eligibility checker is a quick and easy way to see if you can get a credit card from Zopa - it won’t affect your credit score. Borrowing Power. Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable). Use it abroad, and you’ll enjoy Visa’s standard currency conversion rates – most credit cards add hefty fees on top of this. ... Zopa Bank Limited is authorised by the Prudential … Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. UK-based Zopa, a digital bank and online lender, has reportedly started accepting credit card applications, as it continues to expand its line of products and services.. Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable). Does anyone have any feelings on the zopa credit card which looks a bit like the old tandem credit card ie real-time notifications and no fees spending abroad I am tempted but would like to know if there are any downsides Like most 'fintech' cards, the app offers real-time notifications and the ability to lock the card … In 2020, we started a new chapter in our journey, officially launching Zopa … The minimum limit offered on this card is £200 and Zopa does not specify a maximum. The representative APR (i.e. But where it comes into its own is in how you manage your card and account. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. Level 2, 20 St Thomas St, Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Representative example: When you spend £1,200 at a purchase rate of 14.71% (variable) p.a., your representative rate is 14.7% APR (variable). Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable). The Zopa Credit Card. Since then we've helped hundreds of thousands of customers take the stress out of money by building our business on honesty, transparency and trust. It's always wise to check the terms of any deal before you borrow. accurate but you should confirm any information with the product or We endeavour to ensure that the information on this site is current and We keep our reviews completely factual so you can use them to make better decisions. unsure you should get independent advice before you apply for any Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt. Zopa’s all about slick digital experiences and looking after everybody through a broad range of rates that are tailored to the individual. finder.com is an independent comparison platform and information service You can make manual repayments through Zopa's app, by logging in to your online banking or over the phone (0207 580 6060). There's no cash advance fee on the Zopa Credit Card. So if you’ve struggled to get approved for credit elsewhere, Zopa will still consider your application and may be able to help. If you don’t, that relatively high representative APR means that it could get expensive. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable). reference number: 786446). 0% within the EU and 2.99% in other countries. Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. the rate that most cardholders will actually get) is 34.9%. Zopa Limited (05197592) and Zopa Bank Limited (10627575) are both incorporated in England & Wales and have their registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. with a fee of £84 per annum. often incur steep fees and/or higher rates of interest. 7 September 2020 at 2:56PM in Credit Cards. ZA227007. Zopa has been granted a full UK bank licence New bank will start by offering a fixed term saving account followed by an innovative credit card later in the year These new products will launch in addition to Zopa’s existing personal loan and auto loan products Bank will sit alongside Zopa’s peer to peer lending business formed in 2005 Please contact pr@zopa… This step won't impact your credit score. Do not use their credit card! Before we start, what's your email address? A direct debit protects you from forgetting to make a repayment and damaging your credit score – making it harder and more expensive to borrow money in the future – and getting hit with a penalty fee (£12) as a result. Zopa is a member of Cifas – the UK’s leading anti-fraud association, and we are registered with the Office of the Information Commissioner (ZA275984, Z8797078). Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. If using your credit card to pay for something, never let anyone take your card out of sight – even if it’s only for a moment. Credit card. Customers looking for a credit card with all the quality-of-life features offered by the digital banks may want to keep an eye on the Zopa credit card. our partners for featured placement of their products or services. "Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as … Always consider your own circumstances when you compare products so you get what's right for you. Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable). Products are in no particular order s first peer-to-peer lender that has also held full... Range with a fee of £15 per month, your representative rate is 49.8 % APR ( variable p.a. 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