How do I open a Biscuit joint bank account?

The Biscuit joint bank account is currently in a beta phase, which means some functionality is still being built and we’re only inviting a limited number of customers to open an account. We’ll be opening it up to more people in 2027.

When you receive an invitation, you can open a joint account in the Zopa app (you'll need a personal Biscuit bank account first), then you can invite the other person to join you.

Once you've both got personal Biscuit bank accounts and the invite has been accepted, your joint account will be ready. For most people, it only takes a few minutes.

What do I need to open a Biscuit joint bank account?

You'll both need to:

• Be aged 18 or over

• Be a UK resident

• Have your own Biscuit bank account (if the person you're inviting doesn't have one, they'll need to open one first)

• Have your own mobile phone number and email address

See What identification documents do I need to get a Biscuit bank account? for the ID we accept.

How to open a joint bank account in the Zopa app

1.     Open the Zopa app and go to the ‘Spend’ tab.

2.     Tap + and choose ‘Joint bank account’.

3.     Invite the person you'd like to open the account with.

4.     They accept your invite and open a personal Biscuit bank account, if they don't already have one.

5.     Once you've both finished, your joint account is ready to use.

Can I open a Biscuit joint bank account online ?

Yes, the Biscuit joint bank account is an app-only account, so you can open one from your phone or tablet. It’s not possible to visit a branch to open an account.

Can I invite someone who doesn't bank with Zopa?

Yes. When they accept your invite, they'll need to open a Biscuit bank account first, then join the joint account.

What happens if they don't accept my invite?

Your invite will stay open for 7 days. If they haven't accepted by then, you can resend it from the Zopa app.

Can I turn my personal Biscuit bank account into a joint account?

No. A joint account is a separate account, so your own Biscuit bank account stays exactly as it is.

How long does it take to open a Biscuit joint bank account?

Most people are set up in minutes. Sometimes we need to run extra checks, which can take a little longer. Either way, you'll both need to finish your part before the account can open.