Sweeten your spending with Biscuit – the cashback bank account from Zopa
Tuck into a current account that gives you cashback on your everyday bills.
Welcome to banking that gives you a bit back.
2% cashback on bills – paid every month
Money back on up to £125 of Direct Debits a month
Free to open (and no monthly fees)
Biscuit is the cashback current account that helps your money do more
With Biscuit, we've made it simple to grow your dough.
Once your account is open, you can start earning 2% cashback on up to £125 of Direct Debits a month.
Any Direct Debit counts – whether you’re paying your gym membership, phone contract or energy bills. Heating bill going up? So has your cashback – paid into your account monthly, automatically.
See how Biscuit stacks up against other banks
Biscuit from Zopa is the free-to-open cashback current account that gives you more. With no extra fees and perks aplenty, Biscuit is sweeter than many other free UK bank accounts with rewards.
 Biscuit by Zopa |  Santander Everyday Current Account |  Lloyds Classic Account |  HSBC Bank Account |  Barclays Bank Account | |
|---|---|---|---|---|---|
| Financial value per year | £192† | £65 | £84 | £80 | £0 |
| Cashback on bills | 2% | 0% | 0% | 0% | 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 |
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.
More than cashback – Biscuit rewards you every day
Biscuit from Zopa gives you more than cashback alone. From everyday saving to stress-free spending abroad, it’s designed to support how you use your money day-to-day.
Grow your savings with a tasty 7.10% AER* Regular Saver
Save up to £300 a month and watch your 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.
Regular Saver
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.
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.
Open your cashback bank account now
Join the thousands already using the Biscuit cashback current account, top rated by MoneySavingExpert. Open your account with the Zopa app in as little as 5 minutes.
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.
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 Personal Current Account Moneynet Awards 2026
Best Regular Savings Provider Moneynet Awards 2026
Best Savings App Moneynet Awards 2026
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 1.5 million people use Zopa across savings, credit cards and loans. So, you’re in safe hands with Zopa.
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.
Speak to real people, not bots.
Contact us via in-app chat or phone.
Biscuit bank account FAQs
Start earning cashback with Biscuit today
Open a Biscuit bank account in minutes and start earning on your everyday bills. Just download the Zopa app to get started.
