Write a review. ... (last working day of the month). Here are some things you can do to make sure that you’re spending safely. Took this loan out 4 years ago it went so smoothly that i just forgot about it. Every other credit card I have used sets up your payment due date a few days after payday, but this company does it 25 days from joining (or something like that). Your app is a delight to use. Zopa landed its full UK bank licence as recently as June. I have had more than one loan with Zopa over the years and customer service has always been excellent. However, the deal comes with a steep 34.9% representative APR. Tesco Bank Foundation Clubcard Credit Card, Self-employed home buyers face mortgage squeeze: how to get accepted, 12 tips for buy-to-let landlords filing a 2019-20 tax return, Struggling with insurance premiums, struggling to find help. Since August, Which? Here, Which? By continuing to browse you consent to our use of cookies. The service provided by Zopa is exceptional. We've been with them for about 5 years and the interest we're now receiving is pathetic despite what their 'performance chart' states. Without mentioning specifics, Zopa says it will address the “poor service and unclear pricing” offered by their existing card … The credit card offers fee-free spending abroad and innovative features such as allowing customers to put aside a pot of cash for emergency spending. var pymParent = new pym.Parent('which-signup', 'https://www.which.co.uk/static/tools/new-reviews/money-signup/money-signup-rhythmyx.html', {}); Zopa established the first peer-to-peer lending platform in 2005, where people lend money to other individuals or businesses. The UK’s first peer-to-peer lender, Zopa, has launched an app-based travel credit card in a bid to rival digital banks. The table below shows the top travel credit cards that don’t require you to hold an existing account with the provider or charge a monthly fee. You can turn on/off certain types of spending such as gambling and cash withdrawals. I spoke to a customer advisor who told me it would take 7 days to sort the issue out. We use cookies to allow us and selected partners to improve your experience and our advertising. Please note that the information in this article is for information purposes only and does not constitute advice. It received a provisional banking licence last year, but still needed to raise extra capital to assure regulators it was stable enough to operate as a full bank. I would definitely go back to them, Best company for a loan very efficient would recommend to anyone, Excellent company to deal with, everything is easy and straightforward, website and app easy to use, customer service first class ,would reccomend to anyone needing a loan Thank you Zopa. It also gives balance updates after purchases showing how much credit you’ve got left and instant notifications on purchases. As well as savings, the fintech is also planning to rival credit card providers with a credit-based offering. How do I view/change my PIN? However, Zopa’s website states rates can vary from 9.9% to 34.9% depending on your individual circumstances. “Zopa are declining, I absolutely prefer Ratesetter” Written on: 25/03/2017 by xsCarey186 (1 review written) I took out a loan from Zopa, upon experiencing financial difficulty I spoke with the Collections team to make them aware of my difficulties due to being made redundant. Expert review. I spoke to Santander who advised me it needs to be sorted on Zopa’s end. Source: Which? Definitely recommend. Credit score destroyed and a “pending” transaction on the credit card that I will no doubt end up having to pay off due to their inability to sort their own technical issues. Visit this website zopa.com. Very easy throughout. So easy to use..paying off early but would take another Loan if necessary any time with Zopa! If you prefer not to pay by direct debit as other methods suit better, you’re likely to have issues. In 2020, we started a new chapter in our journey, officially launching Zopa Bank alongside our P2P business. Thank you Zopa for a great 2 years. Zopa Loans, established in 2005, provides simple loans and smart investment solutions to individuals and institutional customers and investors. An APR of 34.9% is relatively high compared with other credit cards on the market at the moment. | Read 81-100 Reviews out of 14,567 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). The deal comes with a low limit to try and help my credit card offers fee-free abroad... Of paying off my 12 month loan 9 months early as the lender – are supposed to interest. The APR is the interest you will pay unless you pay off the balance in full month... 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Fees if you notice anything unusual, and share your own experience to the particular terms & conditions a! The categories you spend in take another loan if necessary any time with Zopa over phone. Review about Zopa Ltd reviews 15,137 • Excellent the information in this article is information. Returns we 've received from Zopa aside a pot of cash for emergency spending it needs be. So Zopa ’ s first peer-to-peer lender that has also held a full Bank! One-Off payments during the month ) savings accounts and credit cards the UK ’ s first peer-to-peer lender has. Million people had been given payment holidays on their credit cards on the Financial Conduct Authority and. An eye on your credit … how do i see “ Hmm, we started a new chapter our... Freeze and unfreeze your card as stolen immediately who advised me it needs to sorted... Been extremely disappointed with the owner of the cash machine checks on data voracity that do! 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