Claim your £10 reward!*
All you need to do is join your friend by opening a Zopa bank account in our app. What's more, you'll get interest on your balance, cashback on bills and much more!
To download our app, enter your mobile number below and we'll provide a link to download our app. Please ensure this is the same number you use when creating your Zopa account.
*If your friend's already successfully referred 5 people, you won't qualify for the £10 reward.
Earn more, effortlessly
With interest on your balance, cashback on bills and an exclusive savings pot, our bank account is built to deliver serious value.
7.1% AER interest on savings
Unlock an exclusive 7.10% AER* (6.87% gross**) variable savings pot. Pay in up to £300 a month and earn up to £137 a year in interest.
2% AER interest on balance
Earn an unlimited 2.00% AER* (1.98% gross**) on the money in your account — fixed for 12 months.
2% cashback on bills
Earn 2% cashback on up to £1,500 of Direct Debits per year — a rate that's guaranteed for at least 12 months.
*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.
Heads up — we’re in a beta phase
We’ve given you early access to our account. There are a few things you can’t do just yet, like have your salary paid in directly. But don’t worry, we’re working hard to launch new features as quickly as possible.
Find out more
Your limited-edition card
As one of our very first bank account customers, you’ll add a splash of colour to your purse, pocket or wallet with an exclusive, limited-edition card design.
Apply now
Open your free account
Despite these great rates, our account is free to open and there are no monthly charges. You can also make purchases with your debit card fee-free when abroad. Visa exchange rates will apply, head here for more detail.
Open an account
Your money's protected
Your eligible deposits, meaning the money you hold with Zopa, are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. Any money you hold above this limit is unlikely to be covered.
Please ask for further information or visit www.fscs.org.uk.
Pay using your iPhone with Apple Pay
Pay quickly and easily with your Zopa debit card using your iPhone or Apple Watch.
Learn more
We've got you covered
Customer support 7-days a week.
Rated 'Excellent' on TrustPilot.
FCA & PRA regulated.
No gimmicks, real value
You don't need to worry about sneaky small print or incentives that disappear once your account is open. In fact, we'll guarantee your rates for a whole year.
Learn more about how we’re able to offer serious value with no funny business.
Find out moreStart earning today
Applying is simple. It's all in done in our app in as little as 5 minutes.
Apply nowUK tax residents aged 18+ only.