Open a Biscuit bank account online today

Most people are fully set up in minutes. Occasionally, we need extra time to verify your identity or run additional checks, which can take up to 2 working days – but that's the exception rather than the norm.

The most common reason things take longer is an issue with ID verification, like a blurry photo or a document we can't accept. If your verification hasn't gone through, see our guide on what to do if your ID verification failed.

You can check where your application stands at any time in the Zopa app – see What's the status of my Zopa bank account application? for more on this.

No. Biscuit is a fully digital, app-only current account. Zopa doesn’t have physical branches. 

You can apply, verify your identity, and manage your account entirely from the Zopa app on your smartphone.

Because there are no branches, you can't pay in cash. You can add money by bank transfer instead – see How do I add money to my account? for how to do this.

Yes. A poor credit history doesn't automatically stop you from opening a Biscuit bank account.

When you apply, we run a soft credit search. That means we take a look at your credit file to check your eligibility, but it won't affect your credit score, and other lenders can't see it. So it's worth applying to find out where you stand.

To open a Biscuit current account, you'll need to be a UK tax resident aged 18 or over, and you'll need to pass our identity and eligibility checks. We look at more than your credit score, so a few marks on your file won't necessarily count against you. What we can verify about your identity and the details you give us both play a part, and additional eligibility requirements may apply.

You can review our eligibility criteria before you apply. To see how our credit search works and what we check, see Will opening a Biscuit bank account require a credit check/affect my score?