What is a Biscuit joint bank account and how does it work?

A Biscuit joint bank account is a current account shared by two people. You share one account number and sort code, and you can both pay in, spend and manage the money in the account. Each of you has your own online login, card and PIN.

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 the next few months.

How does a Biscuit joint bank account work?

You each log in to the Zopa app with your own details and you can both get notifications about spending and payment activity. You can add money to the joint account from your own Biscuit bank account or from your linked accounts, in the same way you'd add money to any other account.

What can each of us do on the account?

You can each pay in, spend, transfer money, and set up Direct Debits and standing orders without the other person needing to approve it.

Can the other account holder see my personal Biscuit bank account?

No. They'll only see the joint bank account. Your personal Biscuit bank account stays private to you, along with your card details, PIN, and contact information.

Either of you can give us instructions on the joint account, including payments. We'll act on an instruction from either account holder, without needing the other person's agreement.

What are the benefits of a Biscuit joint bank account?

A Biscuit joint bank account gives you one place for shared money, like rent, bills, grocery shopping and holidays. You can both see what's coming in and going out, so there's no need to send money back and forth or check whether something’s been paid.

You can also unlock your choice of benefit. Choose from extra interest on your balance, cashback on bills or cashback on groceries. That’s on top of the benefit you’ve each chosen for your Biscuit current accounts.

Can I get an overdraft on a Biscuit joint bank account?

The Biscuit joint bank account doesn't currently offer arranged overdrafts.