Earn 2.75% interest on your balance with a Biscuit current account
Money doesn't have to be tucked away in savings to earn interest. With Biscuit, your everyday bank balance could earn 2.75% AER (variable) while it's sitting in your account.
Download the Zopa app to get started.
Best Banking App
British Bank Awards, 2026
Best Personal Current Account
Moneynet Awards, 2026
14x winner
British Bank Awards
A current account that pays interest on your bank balance
Get 1% AER* (1% gross**) variable as standard, or pick extra interest on your balance as your benefit to earn 2.75% AER* (2.72% gross**) variable. Just remember, you won't earn cashback if you choose extra interest as your Biscuit benefit.
Grow your bank balance
Every penny in your Biscuit account earns interest – an easy way to make a little more from your money.
No cap on earnings
Unlike many high street banks, Biscuit pays up to 2.75% AER* (2.72% gross**) variable interest on your whole balance.
Watch interest add up
Interest is calculated daily and paid monthly, giving you a little more to spend, save or treat yourself.
*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.
Open a Biscuit current account in the Zopa app. It only takes a few minutes.
Earn interest on whatever you keep in your current account
That money for rent, groceries and travel? It all earns 2.75% AER for as long as it's in your account.
Just open a Biscuit current account, choose extra interest on your balance, and let the money that's already there work a little harder.
Compare the interest offered by Biscuit to other UK current accounts.
How interest works with your Biscuit current account
1. Open your Biscuit current account
Download the Zopa app and open a free Biscuit current account in as little as 5 minutes. No branch visit, no paperwork.
2. Earn 2.75% AER on every penny in your account
Choose interest on your balance as your benefit, and enjoy an extra 1.75% AER* (1.74% AER gross**) variable on top of your standard 1% AER* (1% AER gross**) variable interest.
3. Use it like a normal current account
Get paid, pay your bills, spend on your card. There's nothing extra to do – no minimum number of payments and no minimum balance to hold onto. You just earn interest on whatever's in your account.
Boosted interest plus everyday perks – worth up to £176.85+ a year
Give your everyday balance a little extra. Choose our cashback benefit and you'll boost the interest you earn on the money sitting in your Biscuit account without thinking about it.
*The £176.85 figure is based on an average UK current account balance of £4,380. It includes £43.80 in interest from the standard 1% AER (1% gross) variable rate, plus £76.65 in interest from choosing the additional 1.75% AER (1.74% gross) variable interest benefit. It also includes £56.40 based on one free Caffè Nero drink per month, at an average value of £4.70 per drink.
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.
Once you've chosen your balance interest benefit in the app, you'll start earning as soon as you top up your account.
And with Biscuit, there’s no hard credit check, so your credit score won’t be affected.
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.
Join thousands of people already growing their dough with Biscuit.
Useful 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 interest and current accounts
Want to learn more about interest and 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.
•
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.
•
