Biscuit, from Zopa Bank
Biscuit is in Beta testing.
Try our bank account, it's free to open and comes with tasty rates in every bite.
7.50% AER* (7.25% gross**) exclusive savings rate.
2.00% AER* (1.98% gross**) interest on your balance.
2% cashback on up to £1,500 of Direct Debits per year.
These rates are fixed for 12 months from the date you open your account.
Our new bank account has been in Beta since September 2024.
Applying for our bank account is quick and simple. It’s all done in our app, so you could be spending and earning in just 5 minutes.
Biscuit account is in Beta testing. UK tax residents aged 18+ only.
You're in for a treat with Biscuit
With interest on your balance, cashback on Direct Debits and an exclusive savings pot - with all rates fixed for a year - our bank account is built to deliver serious value.
A tasty 7.5% AER savings rate
Don't settle for crumbs. Unlock our Regular Saver pot with an exclusive 1-year fixed rate of 7.50% AER* (7.25% gross**). You can pay in £300 a month and earn up to £146 a year.
2% AER on your balance, baked in
You get 2.00% AER* (1.98% gross**) on your account balance — with no limit on the interest you can earn. This rate is fixed for 12 months and variable after that. Yum!
A delicious 2% cashback on bills.
Earn 2% cashback on up to £1,500 of Direct Debits per year. We'll guarantee this rate for at least 12 months - how's that for a sweetener?
Biscuit is in Beta testing
*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.
Biscuit's in Beta
We’ve given you an early taste of our Biscuit. There are a few things you won't be able to do during the beta phase, but don't worry. we're working hard to launch new features all the time.
Find out more
Your Biscuit card
You'll add something sweet to your purse, pocket or wallet with a debit card that looks good enough to eat.
Open your free account
Despite these great rates, our account is free to open and there are no monthly charges. You can also make purchases with your debit card fee-free when abroad. Visa exchange rates will apply, head here for more detail.
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.
We've got you covered
Customer support 7-days a week.
Speak to a human when you need to.
Contact us via chat or phone.
No gimmicks, real value
You don't need to worry about sneaky small print or incentives that disappear once your account is open. In fact, we'll guarantee your rates for a whole year.
Learn more about how we’re able to offer serious value with no funny business.
Find out more