Biscuit – the best free bank account for everyday value
Earn £192+ a year with Biscuit – the current account from Zopa Bank, top-rated by MoneySavingExpert for cashback, perks and regular savings.
Earn 2% AER* (variable) interest on your balance
Get 2% cashback on bills
Earn 7.10% AER* (variable) on your regular savings
Spend abroad fee-free with your card
See the full comparison and how we worked out the £192 value.
Start earning cashback and interest today
Open a Biscuit current account in the Zopa app – it only takes a few minutes.
Award-winning banking from Zopa Bank
With products that are easy to use and value that’s hard to beat, we’ve found a winning recipe that our customers love.
How the Biscuit bank account compares to Santander
Biscuit gives you more value than Santander’s free Everyday account – with higher cashback and better interest.
To earn more, you'd need to upgrade to Santander Edge and start paying a monthly fee. But there’s no need to settle for crumbs. Biscuit is free to open and gives you value where it counts, offering cashback on your bills, and interest on both your balance and your savings.
 Zopa Bank |  Santander | |
|---|---|---|
| Financial value per year | £192† | £65 |
| Monthly fee | Free | Free |
| Interest on current account (AER) | 2% | 0% |
| Interest on Regular Saver pot (AER) | 7.10% With a monthly deposit limit of £300 | 5% With a monthly deposit limit of £200 |
| Cashback on bills | 2% | 0% |
We compared the value offered by 15 different free UK current and savings accounts and Biscuit came out on top, using data accurate as of 15 January 2026. Read our full methodology comparing the Biscuit bank account to other free current accounts.
†The £192 figure is made up of £30 cashback, based on earning 2% on up to £125 per month of household bills paid by Direct Debit, and £89.20 in interest based on the average UK current account balance of £4,460 earning 2% AER (1.98% gross). It also includes £72.92 in interest from two consecutive 6-month Regular Saver accounts paying 7.10% AER (6.87% gross), assuming you save the full £300 each month.
*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.
Biscuit is the bank account that gives you more value
With tasty rates in every bite, Biscuit is the bank account that helps your dough rise.
Grow your savings with a tasty 7.10% AER*
Save up to £300 a month and watch a new Regular Saver pot build at 7.10% AER* (6.87% gross**) variable for 6 months. 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.
Watch your dough rise with 2% AER* on your bank balance
You get 2% AER* (1.98% gross**) variable on your current account balance – with no limit on the interest you can earn on the money in your account. Now that's what we call a tasty bonus.
Sweeten your spending with 2% cashback
Earn 2% cashback on up to £125 of Direct Debits per month – it's the perfect way to take a bit of the bite out of everyday bills.
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 fees from us. ATM withdrawal fees may apply when using your card abroad.
Learn more about using your card abroad.
Our bank account might be new, but we’re not
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.
Get your free-to-open Biscuit current account through the Zopa app today.
Trusted by over 1.5 million Zopa customers
Zopa are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We've been lending since 2005 and already offer award-winning credit cards, personal loans and savings accounts.
Here’s what they’re saying
Zopa’s current account might be new, but our reputation isn’t.
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.
Effortless money management, in a simple app
Link your other bank accounts to view your balances and transactions all in one place.
Freeze and unfreeze your card in just a few taps for added security.
Pay quickly and easily with your phone using Apple Pay or Google Pay.
Applying for a Biscuit bank account is quick and simple
You can open your current account in as little as 5 minutes – all through our easy-to-use app. Just fill in your personal details and we'll take care of the rest. If you're new to Zopa, you'll need to complete our verification checks by providing ID.
Ready to get started?
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.
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.
Useful information
Here’s where you’ll find the need-to-know stuff:
Biscuit bank account FAQs
Start earning today
With tasty rates in every bite, get your hands on Biscuit today.
You’ll need to download the Zopa app to open your account.
UK tax residents aged 18+ only.
