Where is my joining/sign-up reward?

If you were eligible for one of our promotional offers, you'll have received an email about it and any qualifying reward is paid automatically.

If you can't find the offer you're asking about below, it's likely now closed or it was a limited test that wasn't sent to all customers.

Refer a Friend

Our ongoing referral programme, currently rolling out to a limited number of customers. See how it works and where is my Refer a Friend reward? if you're waiting on a payment.

Cashback on Direct Debits

New Biscuit customers earn 2% cashback on up to £125 Direct Debits each month. Between 12 May and 15 June 2026, new customers earned a boosted 4% instead – if you opened your account in that window, you'll keep 4% for your full 12 months. Anyone opening an account now gets the standard 2% rate.

Money Saving Expert £15 offer

Ran 17 March to 7 April 2026 – now closed, all eligible customers have been paid. If you didn't receive it, that means one of the criteria wasn't met – most commonly, the account wasn't opened using the official Money Saving Expert link.

See where is my Money Saving Expert reward?  for more information about the promotion.

£5 cashback for opening a Biscuit account

An offer that ran 4–12 May 2026, paid automatically on 15 May 2026. Now closed – if you got the invitation and opened your account in that window, the payment should already be in your account.

Partner and loan customer offers

We've occasionally run invitation-only £30 cashback offers for new Biscuit customers coming from a Zopa personal loan or a Dividebuy purchase. Both were time-limited, sent only to selected customers by email, and have now closed.