Biscuit is a bank account that allows you to earn more
Built to help your money do more, Biscuit is a free-to-open current account that gives you value where it matters most — your bills, your balance and your savings. Simple to open, easy to manage and designed to make everyday banking much sweeter.
Open a Biscuit current account in the Zopa app. It only takes a few minutes.
Joined during our beta phase? No need to reapply – you’re already part of Biscuit.
Compare our current account against other banks
Biscuit is the free-to-open current account that gives you more – meaning your dough could rise faster than it would with a number of other free UK current accounts.
 Biscuit by Zopa |  Santander Everyday Current Account |  Lloyds Classic Account |  HSBC Bank Account |  Barclays Bank Account | |
|---|---|---|---|---|---|
| Financial value per year | £256 | £65 | £84 | £80 | £0 |
| Monthly fee | Free | Free | Free | Free | Free |
| Interest on current account (AER) | 2% | 0% | 0% | 0% | 0% |
| Interest on Regular Saver pot (AER) | 7.1% With a monthly deposit limit of £300 | 5% With a monthly deposit limit of £200 | 5.25% With a monthly deposit limit of £250 | 5% With a monthly deposit limit of £250 | Not available |
| Cashback on bills | 2% | 0% | 0% | 0% | 0% |
We compared the value offered by free UK current and savings accounts, using data accurate as of 3 June 2025. To estimate the potential financial value per bank, we used the following assumptions based on ONS and Bank of England data: an average current account balance of £4,460, monthly savings up to the regular saver limit (ranging from £150 to £300, depending on the bank), and up to £1,500 in annual direct debits. Read our full methodology comparing the Biscuit bank account to other free current accounts.
Grow new savings with a tasty 7.10% AER* Regular Saver
Save up to £300 a month and watch a new Regular Saver pot build at 7.10% AER* (6.87% gross**). You can withdraw anytime, but this pot is designed to reward steady monthly saving.
It’s ideal if you’re starting a savings habit from scratch or want to put a little aside each month towards a goal. Assuming this rate stays the same for the next 12 months, you could earn up to £137 a year.
Regular Saver
Watch your dough rise with 2% AER* on your bank balance
You get 2% AER* (1.98% gross**) on your current account balance – with no limit on the interest you can earn. This rate is fixed for 12 months and variable after that.
Sweeten your spending with 2% cashback on bills
Earn 2% cashback on up to £1,500 of Direct Debits per year. And we’ll guarantee this rate for 12 months.
Take Biscuit abroad – no overseas card spending fees
Whether it’s a long-haul holiday or a weekend break, you won’t pay any fees to spend on your card abroad. You’ll get the real Visa exchange rate – no added fees from us. ATM withdrawal fees may apply when using your card abroad.
Learn more about using your card abroad.
Effortless money management, all in a simple app
With products that are easy to use and value that’s hard to beat, we’ve found a winning recipe that our customers love.
Who can open a Biscuit bank account?
To open an account, you’ll need to:
Be aged 18+.
Be a UK resident and only have tax residency in the UK (which excludes the Channel Islands and the Isle of Man).
Not be a United States citizen.
Pass any checks we're required to do by law or regulation.
Learn more about Biscuit eligibility.
Why you should choose our high-interest bank account
Our Biscuit current account may be fresh out of the oven, but the rewards speak for themselves — and other people are doing some talking, too.
Biscuit was recently rated #1 for cashback, perks and regular savings by MoneySavingExpert, and Which? named it as one of the most competitive Regular Saver accounts available. Not bad for a newbie.
Here are a few other reasons why people are choosing to join Zopa.
Turn to Zopa for award-winning banking
With products that are easy to use and value that’s hard to beat, we’ve found a winning recipe that our customers love.
11 times winner at the British Bank Awards
Best Credit Card Provider British Bank awards 2025
Best Personal Loan Provider British Bank awards 2024
Best Savings App Moneynet 2024
Our bank account might be new, but Zopa isn’t
Zopa has over 20 years’ experience helping people make more of their money. Today, customers trust us with over £5.5 billion in savings, and more than 1.4 million people use Zopa across savings, credit cards and loans. So, you’re in safe hands with Zopa.
Your money’s fully protected
Your eligible deposits, meaning the money you hold with Zopa, are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. Any money you hold above this limit is unlikely to be covered.
Please ask for further information or visit www.fscs.org.uk.
Support when you need it
Our customer support is available Monday to Saturday
Our team is here when you need us, speak to real people, not bots.
Contact us via in-app chat or phone.
Zopa is trusted by over 1.4 million customers
Zopa has over 20 years’ experience helping people make more of their money. Today, customers trust us with over £5.5 billion in savings, and more than 1.4 million people use Zopa across savings, credit cards and loans. So, you’re in safe hands with Zopa.
Useful information
Here’s where you’ll find the need-to-know stuff: