Can I switch to Biscuit using the Current Account Switch Service (CASS)?

Not at the moment. Zopa isn't currently part of the Current Account Switch Service (CASS), the service that automatically moves Direct Debits and closes your old account in 7 working days. Zopa will be joining CASS soon, so keep an eye out for updates.

Will my Direct Debits transfer automatically when I switch to Biscuit?

No. You update each Direct Debit yourself by giving the company your new Biscuit sort code and account number. We'd recommend keeping your old account in credit for a month or two while you make the changes, so nothing gets missed.

Does switching current accounts affect my credit score?

Opening a Biscuit account uses a soft credit check, so there's no impact on your score there. Closing your old account can shorten your average credit history length, but it's a small factor in how your score is calculated. A missed Direct Debit during the switch can hurt your score more, which is why keeping your old account open during the transition is sensible.

How long does it take to switch to Biscuit?

Opening Biscuit takes less than 5 minutes in the app. Updating Direct Debits, standing orders and your salary redirect can usually be done online. You set the pace – switch as quickly or as steadily suits you.

Can I keep my old account open while switching to Biscuit?

Yes – and we'd recommend it. Keeping your old account open and in credit for the first month or two gives you a safety net while everything moves across. Once you're confident every payment is on Biscuit, close it whenever you like.

What information do I need to switch to Biscuit?

A UK mobile number, your email address, proof of address, photo ID (passport or driving licence), and to be a UK resident aged 18 or over. The Zopa app guides you through the rest. Once you're approved, your new sort code and account number are everything your employer and Direct Debit companies need.

Switch your current account to Biscuit by Zopa

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Open your Biscuit current account in a few minutes
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Move your Direct Debits, standing orders and salary across whenever you like.
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Nothing changes until you're ready – so you stay in control of every step.

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1.5 million+ customers

Why switch to Biscuit?

Don't just take our word for it – Zopa is award-winning.

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For cashback, perks and regular savings.

trophyMoneynet 2026 award winner

1st for Best Personal Current Account

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Including Best Banking App, 2026

The best free current account for everyday value

Biscuit is the free bank account from Zopa that lets you earn £192+ a year – with cashback on your bills, interest on your bank balance, and access to a market-leading Regular Saver. See how we worked out the £192 value.

Earn more on every pound you save

Boost your bank balance with 2% AER*

Get 2% AER* (1.98% gross**) variable on your current account balance – with no cap on what you could earn.

Sweeten your savings with 7.10% AER*

Save up to £300 a month into a Regular Saver and watch your pot build at 7.10% AER* (6.87% gross**) variable for 6 months.

Cashback on bills, no card fees abroad

Bite back against bills with 2% cashback

Earn 2% cashback on up to £125 of Direct Debits each month.

Fee-free card spending abroad

Use your Biscuit card abroad and you'll get Visa's exchange rate, with no added fees from us. ATM withdrawal fees may still apply.

Plus, easy money management in the Zopa app

With the Zopa AI assistant and Zap to move cash between banks in a few taps.

* Annual Equivalent Rate. Interest paid monthly; AER shows the yearly equivalent if compounded. ** Variable rates can go up or down. We will tell you if they change.

How switching to Biscuit works

Open a Biscuit bank account in a few minutes from your phone. 5 simple steps – and you set the pace.

Open your Biscuit bank account
Download the Zopa app and open Biscuit in a few minutes – no impact on your credit score.

Get your new account details
Use your new Biscuit sort code and account number to start moving payments across.

Update your Direct Debits and standing orders
Use the checklist below to work through the companies that take payments from you.

Redirect your salary or income
Tell your work payroll team your new Biscuit details. Self-employed? Let your clients know.

Close your old account when you're ready
Once everything's moved across, close your old account or keep it open as a backup.

How long does switching to Biscuit take?

Opening Biscuit takes less than 5 minutes in the app. Updating Direct Debits depends on each company, but it’s usually all done online. Salary redirects kick in on your next pay cycle, once payroll has your new details. The timeline is fully in your hands, and nothing happens without your say-so.

Your Direct Debit switching checklist

Switching manually means you update your bank details with a company directly. Here's a checklist to make sure nothing slips through the cracks.

Regular bills

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Energy (gas and electricity)
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Broadband and mobile
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Council tax
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Water
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TV license

Subscriptions

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Streaming services (Netflix, Spotify, Disney+)
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Gym membership
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Insurance premiums (home, car, pet, life)

Loans and finance

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Credit cards
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Car finance
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Personal loans
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Store cards

Income

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Salary or wages
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Pension payments
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Tax credits, child benefit, Universal Credit
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Freelance clients or invoicing platforms

What happens to your existing Direct Debits?

Until you update each one, your existing Direct Debits come out of your old account – keep it topped up until they've all moved. The Direct Debit Guarantee applies throughout, so you're protected from missed or wrong payments.

Is switching current accounts worth it?

With Biscuit, you could earn £192 or more a year – from cashback on your bills and interest on your bank balance and regular savings. To help find the right account for you, check out our guide.

How to compare current accounts

Frequently Asked Questions

Switch to the bank account that pays interest and cashback

Open a Biscuit bank account on the Zopa app – it only takes a few minutes.