My card's been lost or stolen, what should I do?

1. Freeze your card in the app. This stops any new payments or withdrawals immediately.

2. Order a replacement card. You can do this in the Zopa app, either:

   •  in the 'Ask' tab

   •  in the 'Spend' tab. Tap the three dots next to 'Send'. Then select 'Manage bank card' and 'Report card as lost or stolen'.

Once you've ordered a new card, your old one is permanently cancelled. You can use Apple Pay or Google Pay straight away, without waiting for the physical card to arrive.

Direct Debits carry over to your new card automatically. If you have any other scheduled payments linked to your old card, like Netflix or Spotify, you'll need to update them manually.

Spotted a payment you don't recognise? You can submit a fraud claim in the app – tap the payment, select "I need help with this payment," and follow the steps on screen.