Why has my payment failed?

There are several reasons why your payment may have failed. Before trying again, check the following:

• Your debit card details are correct and your card hasn't expired.

• The address registered with your bank matches the address on your Zopa account. 

• You completed any bank authentication request such as the £0 transaction approval in your banking app.

• Your bank has not declined the transaction due to insufficient funds, security checks or spending limits.

• Your card isn't restricted from making online payments. 

If your payment continues to fail, we recommend contacting your bank, as they'll be able to confirm why the payment was declined.

If you've checked the above and are still unable to make a payment, please contact us via live chat through your online account.