You need to repay at least your minimum payment every month, otherwise we’ll add a £12 missed payment fee to your account.    


If you fall behind, we’ll cancel your automatic payment and you’ll need to pay this manually each month. 


It’s really important to get in touch with us if you’re struggling to keep up with your Zopa credit card payments. There are things we can do to try and get you back on track. 

Missed or late payments are recorded on your credit file, which is what lenders look at when they’re deciding whether to approve you. 

It’s always better to act early – the sooner you speak to us, the sooner we can minimise the impact on your credit file. Get in touch with us today:

  • Email us at

  • Call us on 020 3770 5960

  • Start a chat

Remember, there are organisations you can contact for financial advice. The two below are impartial, confidential, and free.

  • PayPlan: Call 0800 280 2816, Monday to Friday 8am-8pm or Saturday 9am-3pm or request a call back from PayPlan.

  • StepChange: Call 0800 138 1111, Monday to Friday 8am-8pm or Saturday 8am-4pm.

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