Switch your current account to Biscuit by Zopa
Open your Biscuit current account in a few minutes.
Move your Direct Debits, standing orders and salary across whenever you like.
Nothing changes until you're ready, so you stay in control of every step.
Download the Zopa app and start your switch to Biscuit.
Best Banking App
British Bank Awards, 2026
Best Personal Current Account
Moneynet Awards, 2026
14x winner
British Bank Awards
Why switch to Biscuit?
Extra balance interest, cashback on eating out, or getting a bit back on bills? It pays to be picky. Choose one benefit that works best for you, and switch things up anytime your priorities change.
Boost your bank balance with 2.75% interest
Choose extra interest on your balance and get 2.75% AER* (2.72% gross**) variable, which includes the standard 1%.
Eat out with Biscuit and earn 3% cashback
Choose cashback on eating out and get 3% back on up to £150 a month spent at restaurants, takeaways and bakeries.
Bite back against bills with 3% cashback
Choose cashback on bills and get 3% cashback on up to £150 of Direct Debits a 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.
Open a Biscuit current account in the Zopa app. It only takes a few minutes.
Rewarding perks baked into every Biscuit current account
No matter which benefit you choose, you’ll always get these perks as standard:
A baseline 1% AER* (1% AER gross**) variable interest on your balance.
A free barista-made drink from Caffè Nero every month.
Fee-free card spending abroad – Visa's exchange rate, no mark-ups from us.
How switching to Biscuit works
Open a Biscuit bank account in a few minutes from your phone. 5 simple steps – and you set the pace.
Open your Biscuit bank account
Download the Zopa app and open Biscuit in a few minutes – no impact on your credit score.
Get your new account details
Use your new Biscuit sort code and account number to start moving payments across.
Update your Direct Debits and standing orders
Use the checklist below to work through the companies that take payments from you.
Redirect your salary or income
Tell your work payroll team your new Biscuit details. Self-employed? Let your clients know.
Close your old account when you're ready
Once everything's moved across, close your old account or keep it open as a backup.
How long does switching to Biscuit take?
Opening Biscuit takes less than 5 minutes in the app. Updating Direct Debits depends on each company, but it’s usually all done online. Salary redirects kick in on your next pay cycle, once payroll has your new details. The timeline is fully in your hands, and nothing happens without your say-so.
Your switching checklist
Switching manually means you update your bank details with a company directly. Here's a checklist to make sure nothing slips through the cracks.
Regular bills
Subscriptions
Loans and finance
Income
What happens to your existing Direct Debits?
Until you update each one, your existing Direct Debits come out of your old account, so make sure it's topped up until they've all moved across to Zopa.
Frequently Asked Questions
Will my Direct Debits transfer automatically when I switch to Biscuit? +–
No. You update each Direct Debit yourself by giving the company your new Biscuit sort code and account number. We'd recommend keeping your old account in credit for a month or two while you make the changes, so nothing gets missed.
How long does it take to switch to Biscuit? +–
Opening Biscuit takes less than 5 minutes in the app. Updating Direct Debits, standing orders and your salary redirect can usually be done online. You set the pace – switch as quickly or as steadily suits you.
Can I keep my old account open while switching to Biscuit? +–
Yes – and we'd recommend it. Keeping your old account open and in credit for the first month or two gives you a safety net while everything moves across. Once you're confident every payment is on Biscuit, close it whenever you like.
What information do I need to switch to Biscuit? +–
A UK mobile number, your email address, proof of address, photo ID (passport or driving licence), and to be a UK resident aged 18 or over. The Zopa app guides you through the rest. Once you're approved, your new sort code and account number are everything your employer and Direct Debit companies need.
Ready to switch?
Open a Biscuit current account on the Zopa app – it only takes a few minutes.
With a choice of benefits designed to help your money go further, better banking is only a few taps away.
Planning to put some money aside too? Explore Zopa savings.
Learn more about switching current accounts
You'll find lots of extra information about switching to a new bank account over on the Zopa blog.
