Meet Biscuit – our bank account
The current account that gives you more dough with less effort.
Earn 2% AER* interest on your balance
Get 2% cashback on bills
Unlock up to 7.10% AER* with our Regular Saver pot
Spend abroad fee-free with your card
It’s time to tuck in.
Welcome to award-winning banking
With products that are easy to use and value that’s hard to beat, we’ve found a winning recipe that our customers love.
Biscuit is a bank account that allows you to earn more
Built to help your money do more, Biscuit is a free-to-open current account that gives you value where it matters most — your bills, your balance and your savings. Simple to open, easy to manage and designed to make everyday banking much sweeter.
Open a Biscuit current account in the Zopa app – it only takes a few minutes.
A tasty 7.10% AER* savings rate
Unlock our Regular Saver pot with an exclusive 7.10% AER* (6.87% gross**). You can deposit £300 a month. Assuming this rate stays the same for the next 12 months, you could earn up to £137 a year.
Watch your dough rise with 2% AER*
You get 2% AER* (1.98% gross**) on your current account balance — with no limit on the interest you can earn. This rate is fixed for 12 months and variable after that.
Sweeten your spending with 2% cashback
Earn 2% cashback on up to £1,500 of Direct Debits per year. And we’ll guarantee this rate for 12 months.
Take Biscuit abroad — no overseas card spending fees
Whether it’s a long-haul holiday or a weekend break, you won’t pay any fees to spend on your card abroad. You’ll get the real Visa exchange rate — no added fees from us. ATM withdrawal fees may apply when using your card abroad.
Learn more about using your card abroad.
*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.
Compare current accounts
Earn up to £256 a year. With Biscuit, you could be watching your dough rise with cashback and interest.
 Zopa Bank |  Lloyds |  HSBC |  NatWest |  Barclays | |
|---|---|---|---|---|---|
| Financial value per year | £256 | £84 | £80 | £53 | £0 |
| Monthly fee | Free | Free | Free | Free | Free |
| Interest on current account (AER) | 2% | 0% | 0% | 0% | 0% |
| Interest on Regular Saver pot (AER) | 7.1% | 5.25% | 5% | 5.50% | Not available |
| Cashback on bills | 2% | 0% | 0% | 0% | 0% |
We compared the value offered by free UK current and savings accounts, using data accurate as of 3 June 2025. To estimate the potential financial value per bank, we used the following assumptions based on ONS and Bank of England data: an average current account balance of £4,460, monthly savings up to the regular saver limit (ranging from £150 to £300, depending on the bank), and up to £1,500 in annual direct debits. Read our full methodology comparing the Biscuit bank account to high street banks.
Our bank account might be new, but we’re not
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 1.4 million people use Zopa across savings, credit cards and loans. So, you’re in safe hands with Zopa.
Get your free-to-open Biscuit current account through the Zopa app today.
Trusted by over 1.4 million Zopa customers
Zopa are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We've been lending since 2005 and already offer award-winning credit cards, personal loans and savings accounts.
Here’s what they’re saying
Zopa’s current account might be new, but our reputation isn’t.
"Today, people want more from their money and they want it delivered in a way that feels intuitive and reliable. But too often, they're forced to choose between high street banks that offer poor value or regularly switch in search of sign-on bonuses and introductory deals.
We baked Biscuit to be different. It rewards you for your everyday financial habits, from paying bills to saving and getting paid. And it does so with delicious rates and sweet simplicity. No tricks. No gimmicks. Just the safety of a fully licensed bank."
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.
Effortless money management, all in one place
Link your other bank accounts to track, spend and save, all from the Zopa app.
Freeze and unfreeze your card in a few taps in the app, for added security.
Pay quickly and easily with your Biscuit debit card using Apple Wallet and Google Pay.
Applying for a Biscuit bank account is quick and simple
You can open your current account in as little as 5 minutes – all through our easy-to-use app. Just fill in your personal details and we'll take care of the rest. If you're new to Zopa, you'll need to complete our verification checks by providing ID. Ready to get started?
Who can open a Biscuit bank account?
To open an account, you’ll 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.
Learn more about Biscuit eligibility.
Support when you need it
Our customer support is available 24/7.
Our team is here when you need us, 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:
Biscuit bank account FAQs
Start earning today
With tasty rates in every bite, get your hands on Biscuit today.
You’ll need to download the Zopa app to open your account.
UK tax residents aged 18+ only.
