Check Eligibility for the Zopa Balance Transfer Card

Split Credit Limit

The total guaranteed credit limit for this card is made up of both a spending limit and balance transfer limit. Click to see more on the individual limits.

Balance Transfer offer duration

6 mths

0% Purchase offer duration

N/A

Representative % APR (variable)

34.9% APR

Transfer Fee

0%

Check my eligibility

Representative Example

If you spend £1,200 at a purchase interest rate of 34.9% p.a. (variable) your representative APR will be 34.9% APR (variable)

What’s Good

Balance transfer and spend credit limits are split to help you reduce your total debt

Simple app to make managing your money easy. See your PIN, download statements, see your spends and instantly freeze your card

Instant payment notifications and real-time balance updates

What’s Bad

Requires iOS or Android device to manage the card

You could get a lower credit limit down to £200 for purchases and £500 for balance transfers

Features

Designed for people with poor credit ratings including those with past CCJs (over 12 months)

Credit limits range from £200 to £1,500 for purchases and £500 to £2,500 for balance transfers

A Cash Advance Fee of £3 exists on every Cash Advance made

Cannot transfer balance when in arrears

Spend tracking so you can see where your money’s going

Safety net feature which lets you set aside some of your available credit balance to keep for when you really need it

Eligibility

Must be a UK resident and have lived in the UK for 12 months

Must not have had a CCJ added in last 12 months

Must not have a non-settled court judgement in the last 12 months

Must not have had a default added in last 12 months or had 2+ unsettled defaults added in last 24 months

Must not have gone insolvent in the last 12 months

Can't currently accept balance transfers from Aqua, Fluid and Marbles credit cards

Rates and Fees

Balance Transfer Offer

Intro Rate

0 %

Duration

6 months

Transfer Fee

0 %

Purchase Offer

Intro Rate

n/a

Duration

n/a

Annual Interest Rates

Balance Transfers

34.9 %

Purchases

34.9 %

Cash Withdrawals

34.9 %

Other Key Facts

Annual Fee

£0

Cash Advance Fees

n/a

Minimum Age

18 years

Minimum Income

Not Specified

Overseas Transaction Fee

0 %

What does ’pre-approved’ mean?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

We use cookies as described in our Cookie Policy. Continue browsing or click to accept.