Switch your current account to Biscuit by Zopa
Why switch to Biscuit?
Don't just take our word for it – Zopa is award-winning.
The best free current account for everyday value
Biscuit is the free bank account from Zopa that lets you earn £192+ a year – with cashback on your bills, interest on your bank balance, and access to our high-interest Regular Saver. See how we worked out the £192 value.
Earn more on every pound you save
Boost your bank balance with 2% AER*
Get 2% AER* (1.98% gross**) variable on your current account balance – with no cap on what you could earn.
Sweeten your savings with 7.1% AER*
Save up to £300 a month into a Regular Saver and watch your pot build at 7.1% AER* (6.87% gross**) variable for 6 months.
Cashback on bills, no card fees abroad
Bite back against bills with 2% cashback
Earn 2% cashback on up to £125 of Direct Debits each month.
Fee-free card spending abroad
Use your Biscuit card abroad and you'll get Visa's exchange rate, with no added fees from us. ATM withdrawal fees may still apply.
Plus, easy money management in the Zopa app
With the Zopa AI assistant and Zap to move cash between banks in a few taps.
* Annual Equivalent Rate. Interest paid monthly; AER shows the yearly equivalent if compounded. ** Variable rates can go up or down. We will tell you if they change.
Open a Biscuit Current AccountHow 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 Direct Debit 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 – keep it topped up until they've all moved. The Direct Debit Guarantee applies throughout, so you're protected from missed or wrong payments.
Is switching current accounts worth it?
With Biscuit, you could earn £192 or more a year – from cashback on your bills and interest on your bank balance and regular savings. To help find the right account for you, check out our guide.
How to compare current accountsFrequently Asked Questions
Switch to the bank account that pays interest and cashback
Open a Biscuit bank account on the Zopa app – it only takes a few minutes.
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.
Is it worth switching current accounts? A complete pros and cons guide
Switching current accounts is easier than you might think. Thanks to the Current Account Switch Service, your new bank can handle the transfer for you. But the important question isn’t really whether switching is possible. It’s whether the account you’re switching to is better than the one you have.
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How to switch current accounts: a step-by-step guide
Switching your current account could take as little as 7 working days, thanks to a free resource called the Current Account Switch Service. Zopa isn’t part of it yet, but will be joining later in 2026. Here's what you need to know about switching, whether you're using the Current Account Switch Service or not.
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How to compare current accounts: what to look for before you switch
Your current account does more than hold your money – it can earn you interest, give you cashback on bills, and even help you build your savings. But not all accounts are created equal, and the right one for you depends on how you bank. Here’s how to compare what’s out there and find an account that works harder for you.
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