What’s an automatic payment and how do I set one up?

With automatic payments, you’ll automatically pay your Zopa credit card account by the due date. It gives you one less thing to worry about each month and helps you avoid missing a repayment and having to pay a fee.

We offer two automatic payment methods: 

1. A Direct Debit is an automatic payment made from your bank account. 

2. A Continuous Payment Authority (CPA) is an automatic payment made from your debit card.  

 You can choose to repay: 

1. Your full statement balance 

2. The minimum payment

3. A custom amount chosen by you

If your full statement amount is less than the custom amount, we'll only charge your full statement amount.

If your minimum payment is more than the custom amount, we'll take the minimum payment so you avoid a £12 missed payment fee.

How do I set up an automatic payment?

You can set up automatic payments in the Zopa app. Just: 

1. Open the Zopa app and click the Credit card tab

2. Select ‘Make a payment’

3. Hit the ‘Set up automatic payment’ option 

From here you can choose which method of automatic payment you’d prefer (Direct Debit or Continuous Payment Authority) and select the amount you’d like to pay each month.