Meet Biscuit – the bank account built for everyday value
Tuck into Biscuit – the current account that gives you the best everyday value of any free UK bank account. Get rewarded for the way you bank, with interest, cashback and savings all baked in.
MoneySavingExpert's pick for cashback, perks and regular savings
Winner: Best Personal Current Account – Moneynet Awards 2026
Free to open (and no monthly fees)
Read our methodology on best everyday value.
Why people are switching to Biscuit
Join over 200,000 customers already enjoying tastier banking with Biscuit.
Whether you’re saving or spending, Biscuit's the award-winning bank account designed to help grow your dough.
Earn interest on every penny in your account.
Get cashback on Direct Debits.
Build a healthy savings habit with our Regular Saver.
Open in minutes. No monthly fees.
How does the Biscuit bank account stack up against other banks?
Biscuit from Zopa is the current account that gives you more. With cashback, interest and a regular saver to help you grow your money faster, you’ll get a sweeter deal compared to any other free UK bank account.
 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, variable) | 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 (variable) | 2% | 0% | 0% | 0% | 0% |
We compared the value offered by free UK current and savings accounts, using data accurate as of 29 July 2025. Read our full methodology comparing the Biscuit bank account to other free current accounts.
*AER stands for 'annual equivalent rate'. We pay you interest on a monthly basis, but AER shows you the rate you’d get if this monthly interest was compounded and paid once a year instead. We provide an AER to make it easier for you to compare our rates with other providers.**We pay gross interest, which means nothing is deducted for tax. 'Variable' rate means the interest on your Regular Saver pot can go up or down. We may review it when the Bank of England base rate changes and we’ll always let you know if we make any updates.
What makes Biscuit different?
With Biscuit, the perks and rewards are baked in and ready to be enjoyed straight out of the tin.
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.
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
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.
Why choose Biscuit?
We compared 15 of the UK’s most popular free bank accounts to see which offers the best everyday value. The result? Biscuit came out on top.
It was also 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.
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.
Best Personal Current Account Moneynet Awards 2026
Best Regular Savings Provider Moneynet Awards 2026
Best Savings App Moneynet Awards 2026
Best Credit Card Provider British Bank awards 2025
Your money’s protected
Zopa's covered by the Financial Services Compensation Scheme (FSCS). This means your eligible deposits, which includes any money held in a Zopa bank account or savings account, are protected up to £120,000.
To learn more, visit 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 1.5+ 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 1.5 million people use Zopa across savings, credit cards and loans. So, you’re in safe hands with Zopa.
Ready to enjoy better banking with Biscuit?
Download the Zopa app and start tucking into tasty perks and rewards today.
UK tax residents aged 18+ only.
Useful information
Here’s where you’ll find the need-to-know stuff: