During your promotional period, you’ll pay 0% interest and can move balances to your Zopa balance transfer card as many times as you like. You can transfer up to 100% of your balance transfer limit. Each transfer must be at least £10. 


You’ll have 2 limits, which you can see in the app: 


  • Spending balance: you can use this limit for everyday spending (i.e. purchases, cash withdrawals, interest and fees)  

  • Balance transfer: you can only use this limit for transferring balances 


After the promotional period’s ended and you’ve paid off your statement balance, you can keep using your Zopa balance transfer card for everyday spending. 

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