Open a bank account online with Biscuit
A bank account that pays you back
Top-rated by MoneySavingExpert for cashback, perks and regular savings, Biscuit is the current account that could earn you £192 a year. Now that's tasty. See how we worked out the £192 value.
2% AER* on your bank balance
Watch your dough rise, with 2% AER* (1.98% gross**) variable*** interest on your bank balance and no cap on what you can earn.
2% cashback on bills
Earn a delicious 2% cashback on up to £125 of Direct Debits a month, paid straight back to you.
7.10% AER* Regular Saver
Grow your savings with a tasty 7.10% AER* (6.87% gross**) variable*** on a 6-month Regular Saver pot. Save up to £300 a month.
Fee-free card spending abroad
Use your Biscuit card abroad and you'll get Visa's exchange rate with no added fees from us. Please note ATM withdrawal fees may still apply.
* Annual Equivalent Rate. Interest paid monthly; AER shows the yearly equivalent if compounded. ** Variable rates can go up or down. We will tell you if they change.
Learn more about BiscuitWhat do I need to open a bank account online?
Opening a Biscuit bank account takes a few minutes. We only use a soft credit search, so it won't affect your credit score. You'll need 3 things:
A smartphone
Running iOS
or Android
Proof of address
Like a utility bill, driving licence or bank statement
A valid photo ID
Driving licence or passport
Every Biscuit bank account also comes with
Fee-free spending and ATM withdrawals abroad
+ A virtual debit card available straight away
Contactless Visa debit card
Instant spending notifications
Apple Pay and Google Pay
Freeze and unfreeze your card from the app
Direct Debit and standing order management
Link your other UK bank accounts
Already have a bank account? Switching is straightforward
We handle the move manually – not through the Current Account Switch Service (CASS) – which means you set up your Direct Debits in the app, and the Zopa team supports you through the rest.
How to switch to Biscuit
How to open your Biscuit bank account in 4 steps
Tell us your email address and we'll send you a link to apply from your phone.
Download the Zopa app.
Complete a quick identity check using your phone camera and ID.
Your account is open in a few minutes, ready for you to add money and start spending.
What happens after I apply?
We'll email you a link to continue in the Zopa app.
Open the link in the app and complete a quick identity check
For most people, the account is open in a few minutes – in a few cases, up to 2 working days.
Your digital debit card is ready to use right away – your physical Visa debit card will arrive in 3 to 5 working days.
Your money’s protected
Zopa's covered by the Financial Services Compensation Scheme (FSCS). This means your money held in a Zopa bank account or savings account is protected up to £120,000.
The FSCS doesn’t cover losses from investments falling in value.
To learn more, visit fscs.org.uk
Frequently Asked Questions
Tuck into the best free bank account for everyday value
Cashback on bills, interest on your balance, a market-leading Regular Saver rate – Biscuit gives you more for the money you're already spending. Open yours in minutes.
Learn more about opening a bank account
From opening a bank account in the UK to all you need to know about credit scores, there's lots to discover on our blog.
How to open a bank account in the UK: what you need and what to expect
To open a bank account in the UK, you’ll need a photo ID and proof of address. Most banks let you apply entirely online through your phone, with your account active the same day. Some digital banks, like Zopa, need even less documentation – making it one of the more painless things on your UK to-do list. Whether you’re setting things up before you arrive, sorting it out in your first week, or simply switching to something better, here’s everything you need to know.
•
Can you get a current account with bad credit?
If your credit score has seen better days, you might be wondering whether a current account is even an option. Spoiler: it is. In fact, there are several routes into everyday banking that don’t depend on a clean credit history – from basic bank accounts offered by most high street banks, through to accounts with more features but no credit checks, like Biscuit by Zopa.
•
