Pick the benefit that's right for you
Extra balance interest, cashback on eating out, or getting a bit back on bills? It pays to be picky. Choose one benefit that works best for you, and switch things up anytime your priorities change.
Boost your bank balance with 2.75% interest
Choose extra interest on your balance and get 2.75% AER* (2.72% gross**) variable, which includes the standard 1%.
Eat out with Biscuit and earn 3% cashback
Choose cashback on eating out and get 3% back on up to £150 a month spent at restaurants, takeaways and bakeries.
Bite back against bills with 3% cashback
Choose cashback on bills and get 3% cashback on up to £150 of Direct Debits a month.
*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.
Open a Biscuit current account in the Zopa app. It only takes a few minutes.
Rewarding perks baked into every Biscuit current account
No matter which benefit you choose, you’ll always get these perks as standard:
A baseline 1% AER* (1% AER gross**) variable interest on your balance.
A free barista-made drink from Caffè Nero every month.
Fee-free card spending abroad – Visa's exchange rate, no mark-ups from us.
Enjoy a free pick-me-up from Caffè Nero every month
Biscuit and a free brew? Don't mind if we do.
Every Biscuit account comes with a free barista-made drink from Caffè Nero each month.
Learn more about your free monthly drink.
Why people choose a Biscuit current account
Most current accounts give everyone the same stale benefits – a perk here and there, but often not ones you'll actually use.
With Biscuit, you can choose the benefit that suits you best, then switch things up whenever your priorities change.
Join the 20,000 people a month switching to Biscuit, and getting more from their money.
The more you use Biscuit, the more you get back
Friday night pizza. The monthly gas bill. Even the money in your account. With Biscuit, everyday moments can give you a little more back.
Earn cashback or extra interest with your chosen benefit, plus a free Caffè Nero drink every month. Watch it all add up, then tuck in and enjoy.
The UK's most advanced banking AI
Welcome to a whole new way to get things done with your money. Just say what you need in your own words. Move money, make payments, find info and get insights – all without having to work out where to go or what to tap. Finally, banking that speaks your language.
Launching soon, be the first to try it.
The current account you can talk to
Hunting around in banking apps? Not with Biscuit.
Just tell your Biscuit bank account what you want to do, in your own words. From moving money to finding your latest statement, just say the word.
Ask the questions that matter to you
Get answers about your everyday spending, just by asking.
Want to know where your money went or whether you’re spending more than usual? Biscuit has all the answers – and it can set spending limits in seconds.
Pots, a new way to sort your money
Got money set aside for something? Give it a pot instead. Whether it’s gig tickets, a weekend away or next month’s bills, pots help you keep money aside for what matters.
You can even link Direct Debits to a pot, so your bills are taken care of and you know exactly what you’ve got left.
Zopa is trusted by over 1.5 million customers
Zopa has over 20 years’ experience helping people make more of their money. Today, customers trust us with over £5.5 billion in savings, and more than 1.5 million people use Zopa across savings, credit cards and loans. So, you’re in safe hands with Zopa.
Enjoy fee-free card spending abroad
No added fees
Get Visa's exchange rate, with no mark-ups from us.
Accepted worldwide
Use your card in 200+ countries and territories wherever Visa is accepted.
Learn more about using your card abroad.
Who's eligible to open a Biscuit bank account?
Getting Biscuit is simple – you'll just need to:
Be aged 18+.
Be a UK resident and only have tax residency in the UK (which excludes the Channel Islands and the Isle of Man).
Not be a United States citizen.
Pass any checks we're required to do by law or regulation.
There's no minimum income requirement and no monthly fee, so if you’re eligible, you could get Biscuit in minutes.
Learn more about Biscuit eligibility.
Your money’s protected
Zopa's covered by the Financial Services Compensation Scheme (FSCS). This means your eligible deposits, which includes any money held in a Zopa bank account or savings account, are protected up to £120,000.
To learn more, visit fscs.org.uk
Support when you need it
Our customer support is available Monday to Saturday.
Speak to real people, not bots.
Contact us via in-app chat or phone.
Useful information
Here’s where you’ll find the need-to-know stuff: