How does the Zopa balance transfer card work and how do I apply?

During your promotional period, you’ll pay 0% interest and can move balances to your Zopa balance transfer card as many times as you like. You can transfer up to 100% of your balance transfer limit. Each transfer must be at least £10. 

You’ll have 2 limits, which you can see in the app: 

• Spending balance: you can use this limit for everyday spending (i.e. purchases, cash withdrawals, interest and fees)  

• Balance transfer: you can only use this limit for transferring balances 

After the promotional period’s ended and you’ve paid off your statement balance, you can keep using your Zopa balance transfer card for everyday spending. 

How do I apply?

Currently, Zopa's balance transfer card is only available through selected price comparison websites.

The credit card is managed exclusively via the Zopa app – available on iOS or Android – so you’ll need a smartphone to use the card.  

We’ll run an eligibility check to see if we can pre-approve you. If we can't offer you a credit card, we’ll tell you at this stage. We’ll have only run a soft search, so there’s no harm to your credit score.  

Please note, if you’ve already got a Zopa credit card, you won’t be able to get a Zopa balance transfer.