Biscuit – the current account that pays you interest and cashback

A current account is a type of bank account you use for everyday spending, like getting paid, paying bills, and buying things with a debit card.

You can pay money in, take it out and set up things like Direct Debits and standing orders to manage your regular payments.

Yes, you can have multiple current accounts. Many people in the UK have more than one account open and use different accounts for different things, such as having one account for day-to-day spending and one for travelling abroad.

No. When you apply for a Zopa current account, we’ll run a soft search on your credit file to help verify your identity. As a bank, we also provide regular Current Account Turnover (CATO) reporting to credit reference agencies — this is a summary of the money paid into your account, which helps financial institutions make more informed decisions around lending and affordability.

But don’t worry, neither of these have an impact on your credit score.

We’re not yet part of the Current Account Switch Service, but you can still make the move – it just takes a few simple steps:

1. Set up any Direct Debits from your Biscuit bank account (you’ll need to cancel them with your old bank first).

2. Ask your employer (and anyone else who pays into your account) to update your bank details so your income is paid into your Biscuit bank account.

3. Transfer your remaining balance to your Biscuit bank account.

4. Download any statements from your old bank that you might need.

5. Contact your old bank if you want to close your previous account.

Biscuit is designed for people who want a rewarding, app-based current account. It’s great if you want to earn more interest, get cashback on Direct Debits, and spend abroad with no fees. If you need branch access, it might not be the right fit.

Proof of address

We accept clear photos or scans of paper documents, or PDFs of digital documents. 

Here's a full list of the proof of address documents we accept: 

• Driving licence from the UK / EU / EEA / Swiss, this includes full paper and photocard driving licences and photocard provisional licences. 

• HMRC tax assessment, valid for the current year. 

• Recent evidence of entitlement to a state or local authority-funded benefit scheme, valid for the current year. 

• Utility bill, excluding mobile phone bills, dated within the last 3 months. 

• Local council rent or council tenancy agreement, dated within the last 12 months. 

• Correspondence from local authority over tenancy agreement, dated within the last 12 months. 

• Mortgage statement, dated within the last 12 months. 

• Bank statement, dated within the last 3 months. 

• Credit card statement, dated within the last 3 months. 

• Local authority tax demand or statement, dated within the last 12 months. 

• Solicitors' letter confirming recent house purchase or land registry. 

• Benefit book or original notification letter from the Department for Work and Pensions, valid for the current year. 

To help us verify your home address when applying for our bank account, please make sure: 

• The address on the document you upload matches the one on your application. 

• The document hasn't expired. 

• All 4 corners of the document are visible, with no details cropped out. 

If you’re still having trouble, please get in touch with our team.

Verifying your identity

To verify your identity, we need you to upload a picture of your photo ID and a selfie. We then compare the photo ID to the selfie to make sure it’s you applying for the account. 

When uploading your ID, please ensure:

1. It’s still valid and hasn’t expired.

2. All four corners of the ID or document are visible.

3. The name and date of birth on your ID match with your Zopa bank account application.

If you’ve entered the wrong details in your application, please get in touch with us.

If you don’t have your ID to hand, don’t worry, you have seven days from the time you started your application to upload your documents.

What forms of identity do you accept?

To help pass the identity checks when applying for our bank account, please submit one of the forms of identity that we can accept.

1. Passports – This excludes emergency, temporary and diplomatic passports. We also can’t accept travel documents.

2. Driver’s licences – This includes provisional driver’s licences.

3. National ID cards – These must be internationally-recognised ID cards, we can’t accept domestic ID cards.  

4. National residence permits – These must be internationally recognised documents, we can’t accept domestic national residence permits. 

How should I take my selfie?

You’ll be given instructions on how to take your selfie. But to make the review process as smooth as possible, ensure you’re in a well-lit space in front of a plain, neutral background. Also, please double-check the image is clearly within the camera frame and your fingers aren’t blocking it. 

What is Mitek?

Mitek is the trusted partner we use to help complete our ID checks. They’re experts at quickly and safely completing verification checks. 

Rest assured, Mitek uses a securely encrypted connection to protect your data.