Biscuit – the best free bank account for everyday value
Top-rated by MoneySavingExpert for cashback, perks and regular savings. Tuck into the current account that could earn you £192+ a year.
Now that’s tasty.
2% AER* (variable) interest on your Biscuit balance
2% cashback on bills
7.10% AER* (variable) on regular savings
See the full comparison and how we worked out the £192 value.
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.
Compare our current account against other banks
Biscuit is the free-to-open current account that gives you more – meaning your dough could rise faster than it would with a number of other free UK current accounts.
 Biscuit by Zopa |  Santander Everyday Current Account |  Lloyds Classic Account |  HSBC Bank Account |  Barclays Bank Account | |
|---|---|---|---|---|---|
| Financial value per year | £192† | £65 | £84 | £80 | £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% With a monthly deposit limit of £300 | 5% With a monthly deposit limit of £200 | 5.25% With a monthly deposit limit of £250 | 5% With a monthly deposit limit of £250 | Not available |
| Cashback on bills | 2% | 0% | 0% | 0% | 0% |
We compared the value offered by 15 different free UK current and savings accounts and Biscuit came out on top, using data accurate as of 15 January 2026. Read our full methodology comparing the Biscuit bank account to other free current accounts.
†The £192 figure is made up of £30 cashback, based on earning 2% on up to £125 per month of household bills paid by Direct Debit, and £89.20 in interest based on the average UK current account balance of £4,460 earning 2% AER (1.98% gross). It also includes £72.92 in interest from two consecutive 6-month Regular Saver pots paying 7.10% AER (6.87% gross), assuming you save the full £300 each 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. 'Variable' rate means the interest on your Regular Saver pot can go up or down. We may review it when the Bank of England base rate changes and we’ll always let you know if we make any updates.
With Biscuit, you get a sweet deal all round
Our Biscuit current account may be fresh out of the oven, but the perks and rewards are fully baked in and ready to be enjoyed. With Biscuit you can:
Grow your savings with a tasty 7.10% AER* Regular Saver
Save up to £300 a month and watch your Regular Saver pot build at 7.10% AER* (6.87% gross**) variable for 6 months. You can withdraw anytime, but this pot is designed to reward steady monthly saving.
It’s ideal if you’re starting a savings habit from scratch or want to put a little aside each month towards a goal.
Regular Saver
Watch your dough rise with 2% AER* on your bank balance
You get 2% AER* (1.98% gross**) variable on your current account balance – with no limit on the interest you can earn on the money in your account. Now that's what we call a tasty bonus.
Sweeten your spending with 2% cashback on bills
Earn 2% cashback on up to £125 of Direct Debits per month – it's the perfect way to take a bit of the bite out of everyday bills.
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.
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?
Effortless money management, all in a simple app
With products that are easy to use and value that’s hard to beat, we’ve found a winning recipe that our customers love.
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.
Why you should choose our high-interest bank account
Biscuit was recently top-rated by MoneySavingExpert for cashback, perks and regular savings, and Which? named it as one of the most competitive Regular Saver accounts available in the UK.
Here are a few other reasons why people are choosing to join Zopa.
Turn to Zopa for 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.
11 times winner at the British Bank Awards
Best Personal Current Account Moneynet Awards 2026
Best Regular Savings Provider Moneynet Awards 2026
Best Savings App Moneynet Awards 2026
Our bank account might be new, but Zopa isn’t
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.
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.
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.
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.
Learn more about current accounts, savings and more
Want to learn more about our Biscuit account and other Zopa products? Take a bite out of our blog.
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