Don't settle for crumbs – get Biscuit
Earn up to £256 a year with Biscuit — the UK's best free bank account for everyday value.
Earn 2% AER* interest on your balance
Get 2% cashback on bills
Unlock up to 7.10% AER* with our Regular Saver pot
Spend abroad fee-free with your card
Top-rated by MoneySavingExpert for cashback, perks and regular savings
Start earning cashback and interest today
Open a Biscuit current account in the Zopa app – it only takes a few minutes.
Estimated value of up to £256, based on typical usage assumptions. See how we calculated it
*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.
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.
Getting less from Santander? Biscuit gives you more
123 Lite is going. Everyday gives you less. Edge makes you pay.
Biscuit gives you more, without charging a fee — and without the faff.
With Biscuit you get cashback, interest and a bit more bite from your everyday banking. Tastes better already.
 Zopa Bank |  Santander | |
|---|---|---|
| Financial value per year | £256 | £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 potential value offered by Santander’s Everyday Current Account and Regular Saver, using data accurate as of 29 July 2025. Our estimates are based on publicly available information and assume the following, in line with ONS and Bank of England data: an average current account balance of £4,460, monthly savings up to the Regular Saver limit, and up to £1,500 in annual direct debits. Read our full methodology comparing the Biscuit bank account to Santander and other high street banks. Read our full methodology comparing the Biscuit bank account to Santander's Everyday current account
Biscuit is the bank account that gives you more value
Simple to open, easy to manage and designed to make everyday banking much sweeter.
Grow your savings with a tasty 7.10% AER*
Unlock our Regular Saver pot and earn interest at an exclusive 7.10% AER* (6.87% gross**). You can deposit £300 a month and withdraw anytime. Assuming this rate stays the same for the next 12 months, you could earn up to £137 a year.
Watch your dough rise with 2% AER* on your bank balance
You’ll earn interest at 2% AER (1.98% gross*) on your current account balance — with no limit on how much you can earn. This rate is fixed for 12 months and variable after that.
Sweeten your spending with 2% cashback
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 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 1.4 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 1.4 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
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.
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.
