Fee-free card spending abroad with Biscuit
Biscuit is the free current account from Zopa. Use your Biscuit debit card abroad, anywhere Visa is accepted.
Spend abroad with your card, with no fees from Zopa*
Withdraw up to £200 in cash every 30 days, fee-free**
No need to tell us before you travel
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
The bank account that travels with you
Take your debit card abroad and spend, withdraw and earn just like you do at home. *Spend abroad with your card and pay no fees from us. Card transactions are converted using the Visa exchange rate, with no added markup. **ATM providers may still apply their own withdrawal charges.
No transaction fees
Use your card to make purchases just as you would at home – no hidden charges.
Accepted where Visa is
That’s worldwide in 200+ countries and territories.
Withdraw cash for free
Take out up to £200 over 30 days from an ATM abroad with no fees†.
Eat out, earn cashback
Pocket a little extra at dinner if you choose cashback on eating out as your main Biscuit benefit.
Freeze your lost card
Debit card gone on its own travels? Freeze it right away in the Zopa app – and order a replacement card, too.
Open a Biscuit current account in the Zopa app. It only takes a few minutes.
†Withdraw up to £200 in cash while abroad in a 30-day rolling period fee-free. For anything over £200, a 2% fee will be applied. ATM providers may charge their own additional fee.
Zopa travel fees at a glance
Here's a full breakdown of what Zopa charges, and doesn't charge, when you use your card abroad.
| Using your card abroad | Zopa fees | Key details | Where it applies |
| Paying by card | No fee | No limit | Anywhere Visa is accepted |
| Paying in another currency | Nothing added by Zopa | We use the Visa exchange rate, which changes daily | All non-GBP card payments |
| Taking out cash | Free up to £200 every 30 days, then 2% on the amount over £200 | £200 fee-free allowance over a 30 day rolling period | Worldwide |
Free cash withdrawals abroad
Take out up to £200 from an ATM abroad over any rolling 30-day period for free. Go over that and a 2% fee applies to the amount above the limit – not your whole withdrawal.
Here's an example:
Day 1 – Withdraw £220 (£20 over limit) – £0.40 fee
Day 2 – Withdraw £50 (£50 over limit) – £1.00 fee
Day 3 – Withdraw £50 (£50 over limit) – £1.00 fee
Total withdrawn: £320 | Total fees paid: £2.40
How Biscuit compares abroad
Taking cash out from an ATM abroad? See how Biscuit stacks up against the UK's most popular digital and high street bank accounts.
| Account | Foreign transaction fee on card purchases | Fee-free cash withdrawal abroad | Monthly account fee |
| Biscuit by Zopa | No fee | £200 per rolling 30 days, then 2% fee | £0 |
| Monzo Free | No fee | If Monzo if your main bank: unlimited fee-free in EEA, £200 per 30 days outside EEA then 3% | £0 |
| Starling Personal | No fee | £300 per day | £0 |
| Chase Current Account | No fee | £500 per day and £1,500 per calendar month | £0 |
| Revolut Standard | 1% above £1,000 | £200 or 5 withdrawals per rolling month, then 2% (min. £1) | £0 |
| Natwest Everyday | 2.75% | None | £0 |
| Lloyds Classic | 2.99% | None as standard. Can add a Travel Smart feature to get fee-free spending in selected weeks. | £0 |
| Nationwide FlexAccount | 2.99% | None | £0 |
| Barclays Bank Account | 2.99% | None | £0 |
Rates accurate as of 26 September 2026
How we compare bank accounts+–
Rates on this page are checked and updated monthly by the Zopa editorial team. All figures are sourced directly from each bank's published rates pages.
We compare standard, fee-free personal accounts from the four largest high street providers and four largest digital banks. We chose them using publicly reported customer numbers to give a broad view of the market. Providers count customers in different ways, so this is not an exact market-share ranking.
We check each provider’s website and account terms for the monthly account fee, foreign-currency card-purchase fee, and fee-free cash-withdrawal allowance abroad. Figures were checked on 26 September 2026.
“Fee-free” means no charge from the bank for that feature. Cash machines abroad may charge their own fee, and charges can apply once an allowance is used. Terms can change, so always check the provider’s latest information before opening an account. This comparison is for general information, not advice.
Make spending abroad simple with Zopa's AI
Get exclusive access to Zopa's banking AI when you open a Biscuit current account. Whatever's on your mind when it comes to your money, just ask.
"How much can I afford to spend?"
Ask our AI to help build a realistic budget for your trip. It will do the maths and can tell you when you're near your limit.
"What have I spent on food vs hotels?"
Zopa's AI can compare your spending, so you can easily keep track and stay on top of your holiday budget.
"Help me split the cost with friends"
Whether you've paid for flights or are footing the food bill, figure things out fairly and even get a payment link set up.
Tips for spending abroad with Biscuit
Pay by card wherever you can. Every purchase is fee-free and converts at the Visa rate, so you'll save your £200 cash allowance for when you really need it.
Choose the local currency – not pounds. That way, Visa sets the exchange rate, not the merchant. You’ll avoid paying more unnecessarily.
If you lose your card, freeze it instantly and order a replacement through the Zopa app.
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.
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.
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