We charge two fees – a missed payment fee of £12 if you don’t make your minimum monthly payment on time, and a cash withdrawal fee of £3 for each cash withdrawal from an ATM.

It’s really important to talk to us if you’ve missed a payment for your Zopa credit card or are worried you might. 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.