Ask more from your money – with Biscuit, now you can
Meet Biscuit – the free current account that helps you do everyday money tasks, fast. All you have to do is ask.
Get money admin done in seconds
Move money and make payments just by asking
Understand your spending and stay on track
Try the UK's most helpful banking AI.
Best Banking App
British Bank Awards, 2026
Best Personal Current Account
Moneynet Awards, 2026
14x winner
British Bank Awards
Whatever’s on your money to-do list, just ask
Money admin to tackle? Zopa’s AI can help you get it done in seconds.
“Help me save more”
See where your money’s going and set spending limits, so there’s a little more left for the things you fancy.
“I've lost my card”
Tell our AI what’s happened and we’ll help you get it sorted quickly, without hunting around in the app.
“Help me split this fairly”
Skip the awkward bit. Tell us who had what, then we'll do the maths and request the payments for you.
Get exclusive access to Zopa's AI banking when you open a Biscuit current account. Download the Zopa app and get started in minutes.
Welcome to banking that speaks your language
Join thousands of people already using Zopa's AI to get things done, understand their spending and take control of their money.
Keep your spending on track
Just ask our AI what you’d like to know and get answers in seconds.
“How much did I spend in Brighton last weekend?”
“Let me know when I’ve hit my £50 coffee budget.”
“What’s my most expensive habit?”
Just talk or type in your own words and we'll help you sort it.
Get money admin done in seconds
Need to find a payment, add a new payee or move money? Just tell us what you need.
“Find the payment I made to IKEA.”
“Set up Alex as a new payee.”
“Move £50 into my holiday savings.”
Whether you’re setting a budget, creating a pot or moving money into savings, Zopa’s AI will help you get it done.
Make one-snap payments
Got someone to pay? Take a snap, upload a screenshot or share an invoice with their payment details, and we’ll get to work.
Forget copying sort codes and account numbers between apps. Our AI does all the fiddly stuff for you.
Banking built around the way you talk
No special commands. No banking jargon. Just tell Biscuit what you need the way you’d normally say it.
Unlike other banks' AI assistants, we don't just redirect you to the right part of the app – we actually get things done for you.
A new way to bank. The same serious security.
Talking to your bank might be new, but the security behind it isn’t. Everything you do with Zopa's AI is protected by the same safeguards as the rest of your account.
So whether you’re checking your spending, moving money or making a payment, you can get things done knowing you’re still in control.
Ready to give it a go?
Download the Zopa app, open a Biscuit account, then head to the ‘Ask’ tab to get to know Zopa AI for yourself.
Pots, a new way to sort your money
Got money set aside for something? Give it a pot instead. Whether it’s gig tickets, a weekend away or next month’s bills, pots help you keep money aside for what matters.
You can even link Direct Debits to a pot, so your bills are taken care of and you know exactly what you’ve got left.
Rewarding perks baked into every Biscuit current account
There’s more to Biscuit than helpful AI. You’ll get some seriously tasty everyday perks as standard, too.
A baseline 1% AER* (1% AER gross**) variable interest on your balance.
A free barista-made drink from Caffè Nero every month.
Fee-free card spending abroad – Visa's exchange rate, no mark-ups from us.
Pick the benefit that's right for you
On top of the perks that come as standard, you can choose one main benefit to get more from your money, your way.
Boost your bank balance with 2.75% interest
Choose extra interest on your balance and get 2.75% AER* (2.72% gross**) variable, which includes the standard 1%.
Eat out with Biscuit and earn 3% cashback
Choose cashback on eating out and get 3% back on up to £150 a month spent at restaurants, takeaways and bakeries.
Bite back against bills with 3% cashback
Choose cashback on bills and get 3% cashback on up to £150 of Direct Debits a month.
Enjoy fee-free card spending abroad with Biscuit
No foreign transaction fees
Spend abroad with your Biscuit debit card with no Zopa fees.
Visa exchange rate
Get the Visa exchange rate, with no added markup from us.
Worldwide acceptance
Use your card in 200+ countries and territories wherever Visa is accepted.
Learn more about using your card abroad.
How do I apply for a Biscuit current account?
Getting Biscuit is simple – you'll just 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.
There's no minimum income requirement and no monthly fee, so if you’re eligible, you could get Biscuit in minutes.
Learn more about Biscuit eligibility.
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.
Have questions about Biscuit?
Want to know more about what Biscuit can do? Our help centre has everything you need to get started.
Current account FAQsUseful information
Here’s where you’ll find the need-to-know stuff:
