Enjoy 3% cashback with a Biscuit current account
With a free Biscuit current account from Zopa, you can choose 3% cashback on either your bills or eating out. Pick the option that works best for you.
Cashback on bills
Cashback on eating out
Download the Zopa app to get started.
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There's a cashback benefit to suit you
Choose cashback on eating out or bills – then switch things up whenever you fancy.
Cashback on bills
Pick cashback on bills as your benefit and get 3% cashback on up to £150 of Direct Debits each month.
Cashback on eating out
Pick cashback on eating out and get 3% back on up to £150 spent at restaurants, takeaways and bakeries every month.
Switch when it suits you
Fancy switching things up? Change your benefit whenever your priorities do. It only takes a second in the Zopa app.
Open a Biscuit current account in the Zopa app. It only takes a few minutes.
Earn 3% cashback on bills paid by Direct Debit
Bills might be unavoidable, but with Biscuit, they can give you a bit back. Choose cashback on bills as your Biscuit benefit and earn 3% cashback on up to £150 of Direct Debits each month.
That could include household bills, subscriptions and eligible credit card repayments paid from your Biscuit account.
Earn 3% cashback when you eat out or order in
From your mid-week work lunch to that much-needed Friday night takeaway, every meal is another chance to earn.
Choose cashback on eating out as your Biscuit benefit, then get 3% cashback on up to £150 of restaurant, takeaway and bakery spending every month. Tasty.
How cashback works with the Biscuit current account
1. Pick your cashback benefit
Open a free Biscuit current account, then choose either cashback on eating out or cashback on bills as your Biscuit benefit.
2. Spend or pay with Biscuit
For cashback on eating out, use Biscuit to pay at restaurants, takeaways and bakeries. For cashback on bills, just set up a Direct Debit (or even a few) from your Biscuit account.
3. Enjoy your cashback
We’ll automatically pay your cashback into your Biscuit account every month. No vouchers, no codes and no need to claim.
Cashback plus everyday perks – worth up to £154.20 a year
Biscuit gives you more from day one, with interest on your balance, a free monthly Caffè Nero drink and even more value when you choose cashback.
*The £154.20 figure is made up of £54 cashback, based on earning 3% on up to £150 per month of eligible Direct Debit or eating-out spend, £43.80 in interest based on an average balance of £4,380 earning 1% AER (1% gross), and £56.40 based on the value of one free Caffè Nero drink per month at an average price of £4.70. Assumes you choose the same cashback benefit for the full year and make the most of your monthly cashback allowance.
How to open a Biscuit current account
Simply download the Zopa app and apply for your Biscuit current account. Most people are up and running in under 5 minutes.
Join thousands of people already growing their dough with Biscuit.
Who's eligible for a Biscuit current account?
Getting Biscuit is simple. You’ll need to be 18 or over and a UK resident, and we’ll run a few standard eligibility checks when you apply. There’s no minimum income requirement and no monthly fee.
Learn more about Biscuit eligibility.
Taking fraud seriously
We have a specialist team dedicated to fighting fraud to help keep your details and money safe. You can also use the FCA Firm Checker tool to quickly and easily see if a financial company contacting you is legit.
Visit our Fraud HubUseful information
Here’s where you’ll find the need-to-know stuff:
Have questions about Biscuit?
From picking your benefits to getting more from your everyday banking, our help centre has everything you need to know about our tasty current account.
Current account FAQsLearn more about cashback and current accounts
Want to learn more about cashback or our Biscuit current account? Take a bite out of our blog.
Who is eligible for a current account with cashback and interest?
Most cashback and interest-paying current accounts are open to anyone aged 18 or over living in the UK. The main thing to get your head around is that qualifying for the account and qualifying for the rewards are two slightly different things.
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How to compare current accounts: what to look for before you switch
Your current account does more than hold your money – it can earn you interest, give you cashback on bills, and even help you build your savings. But not all accounts are created equal. Here’s how to compare what’s out there and find an account that works harder for you.
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