If you don’t, that relatively high representative APR means that it could get expensive. 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). Always consider your own circumstances when you compare products so you get what's right for you. Zopa is a peer-to-peer lender that has also held a full UK banking licence since June 2020. Table: sorted by representative APR, promoted deals first. We Open the Zopa app and click the credit card tab. 'Zopa' is a trademark of Zopa Bank Limited. 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 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). that aims to provide you with the tools you need to make better 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). In 2020, we started a new chapter in our journey, officially launching Zopa … Ultimately this is a perfectly decent card so long as you clear your balance in full each month. I'm struggling with my repayments. When you make major financial decisions, consider getting independent financial advice. If you're interested in getting a Zopa credit card, you apply online at the Zopa site. 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. 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. Approval for any credit card will depend on your status. Plus, unlike some cards offering this benefit, those transactions will still enjoy the same interest-free grace period that sterling transactions enjoy (up to 56 days) provided you clear your balance in full each month. 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). "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 … 20 replies 1.2K views mazzetti Forumite. You'll first be prompted to check your eligibility by handing over a few basic details about yourself. What should I do? London, SE1 9RS. This step won't impact your credit score. 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). Savings. The Zopa Credit Card. Before we start, what's your email address? Monday to Thursday (9am to 5:30pm), and Friday (9am to 5pm).. Attempted to withdraw cash from an ATM with my new Zopa Credit Card and the transaction was blocked for some reason and just showed as “pending” on the app. My Zopa account. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. finder.com is an independent comparison platform and information service The currency conversion fee – or rather the lack of one – is one of the cards best features. daily, Metro Bank Personal Credit Card Mastercard, Nationwide Member Credit Card Balance Transfer Offer, Nationwide Member Credit Card All Rounder Offer, Virgin Money 28 Month Balance Transfer Credit Card Mastercard, Virgin Money 24 Month Balance Transfer Credit Card Mastercard, Virgin Money 20 Month All Round Credit Card Mastercard, Virgin Money Virgin Atlantic Reward Credit Card, Post Office Money® Travel Credit Card Mastercard, Virgin Money 16 Month Balance Transfer Credit Card Mastercard, Virgin Money 12 Month All Round Credit Card Mastercard, Tesco Bank Clubcard Plus Credit Card Mastercard, Virgin Money Virgin Atlantic Reward Plus Credit Card, Royal Bank of Scotland Reward Black Credit Card Mastercard, NatWest Reward Black Credit Card Mastercard, A great app and fee-free currency conversion, That steep representative APR means most applicants are likely to be offered a relatively high interest rate, Avoid currency conversion charges when spending abroad, Minimum annual income requirement of £12,000. have a credit history that we can see, and a good track record of repaying debt, e.g. Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable). You can arrange a direct debit for repayments when you apply for the credit card. Zopa has received positive reviews from customers, according to customer review platforms like TrustPilot and Reviews.io. We are a credit broker and not a lender and In 2005 we built the first ever peer-to-peer (P2P) lending company to give people access to simpler, better-value loans and investments. 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.) The Zopa credit card can be managed via an easy-to-use app, which offers instant payment notifications, real-time balance updates and the ability to freeze your card at any time. Zopa Limited is authorised and regulated by the Financial Conduct Authority, and entered on the Financial Services Register (718925). Confirm details with the provider you're interested in before making a decision. 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 … Zopa Limited (05197592) and Zopa … You are about to post a question on finder.com: At Finder, we value and respect our editorial independence. unsure you should get independent advice before you apply for any So if you’ve struggled to get approved for credit elsewhere, Zopa will still consider your application and may be able to help. Many customers praised Zopa’s customer service and simple application process, though some investors on the Zopa platform reported poor returns. Thomas St, London, SE1 9RG. We may receive compensation from our partners for placement of their products or services. The credit card offers fee-free spending abroad and innovative features such … The Zopa Credit Card is issued on the Visa network (used by a whopping 3.3 billion cards), so you'll be able to use it at more than 46 million merchants across more than 200 countries and … Uploading documents. Do not use their credit card! Zopa has launched its first ever credit card, challenging industry standards with a product specifically designed to help customers stay in control of their money and their debt. 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. Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. Our address is Level 2, 20 St Investments. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. 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