Is a Biscuit current account right for me?

Biscuit is designed for people who want a rewarding, app-based current account where you choose the benefit that matters most to you.

When you open your account, you can pick one benefit which you can switch every month:

• Boosted interest on your bank balance

• 3% cashback on up to £150 of Direct Debits each month

• 3% cashback when you eat out, on up to £150 a month

On top of your chosen benefit, you'll always get 1% AER* (1% gross**) variable interest on your Biscuit balance, a free coffee from Caffè Nero every month, and fee-free spending abroad – so it's a good fit if you want a current account that adapts to you, rather than the same fixed perks for everyone.

It may not be right for you if you need branch access or regularly pay in cash – Biscuit is a digital-only account, so you can pay in by bank transfer but not cash. A joint account option isn't available right now, though it's something we may offer in future.

To apply, you'll need to be 18 or over, a UK resident, and not a US citizen.

*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.