For some customers, changes to the Bank of England’s base rate can impact your credit card’s interest rate. You can check if this is the case for you in the interest rate and fees section of your credit card agreement. This can be found in the Zopa app – here's how.

If you're one of these customers, when the Bank of England announces a change to the base rate that affects your interest rate, we’ll apply this to your account within 90 days. We'll email you beforehand to let you know the change is coming. Once your rate has updated, this will be reflected in the next credit card statement we send you.