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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.

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Balance Transfer offer duration
6 mths
0% Purchase offer duration
N/A
Representative % APR (variable)
34.9% APR
Transfer Fee
0%

Representative Example

Tooltip

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

Must use a mobile app to manage account
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 OfferTooltip
Intro Rate
Tooltip
0 %
Duration
Tooltip
6 months
Transfer Fee
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0 %
Purchase OfferTooltip
Intro Rate
Tooltip
n/a
Duration
Tooltip
n/a
Annual Interest RatesTooltip
Balance Transfers
Tooltip
34.9 %
Purchases
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34.9 %
Cash Withdrawals
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34.9 %
Other Key Facts
Annual Fee
Tooltip
£0
Cash Advance Fees
Tooltip
3 %
Minimum Age
18 years
Minimum Income
£10,000
Overseas Transaction Fee
Tooltip
0 %

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

We're on a mission to help everyone move their finances forward and gain financial momentum.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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