Welcome to Zopa
Better banking all round
Effortless products. Great value. Unlock it all in our award-winning app, including Biscuit, a bank account for people who like generous banking.
Download the app
Biscuit by Zopa
Tuck into the free current account with cashback and interest.
Download the appExplore our current accountWelcome to award-winning banking
We build banking people love – but being recognised is a nice little extra.
Better banking, all from our app
We’ve built an app to help make managing your money stress-free.
See your credit score and what you could borrow with Borrowing Power.
Instant access to your bank account, loans, credit card or savings.
Apply for a Zopa loan in minutes with no fees or paperwork.
Speak to a real person on live chat or phone, Monday to Saturday.
The best of Zopa banking – now on Apple Pay
You can now add both your Zopa credit card and Biscuit debit card to Apple Pay. It's quick, convenient and easy.
Get set up in seconds – right from your iPhone.
Explore Apple Pay
Your money’s protected
Zopa's covered by the Financial Services Compensation Scheme (FSCS).
To learn more, visit fscs.org.uk.
Trusted by over 1.5 million Zopa customers
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.
What we’ve been up to
Intel, updates, company news and beyond, the Zopa blog has the latest.
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.
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Who is eligible for a current account with cashback and interest?
Most cashback and interest-paying current accounts are open to anyone aged 18 or over living in the UK. A soft credit search is usually all it takes to check your eligibility and some banks, including Biscuit by Zopa, don't require a hard credit check to open an account at all. The main thing to get your head around is that qualifying for the account and qualifying for the rewards are two slightly different things.
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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.
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