Zopa Biscuit Current Account Review

MoneyHQ Verdict

Biscuit stands out from most free current accounts because it gives free multiple perks like a monthly coffee, fee-free overseas spending and interest on your current account balance. You can also choose one of three benefits, extra interest on your balance, 3% cashback on bills, or 3% cashback on eating out and you can switch between them at any time. Fee-free card spending abroad comes as standard on every account, which puts it ahead of the free accounts at most high street banks including NatWest and Lloyds.

The main caveats are worth knowing before you switch. Zopa does not support the Current Account Switch Service (CASS), which means you will need to move your Direct Debits manually rather than having them transferred automatically. There is also no arranged overdraft so if you regularly dip into an overdraft, Biscuit is not designed for you. There are no branches either, with support limited to in-app chat and phone, Monday to Saturday only.

Biscuit Current Account Options

Biscuit is a single free account with one flexible benefit structure:

Zopa Biscuit current account

The Biscuit account has no monthly fee and no minimum pay-in requirement. When you open it, you choose one of three benefits, and you can switch between them at any time in the app:

• Interest on your balance: 2.75% AER variable (2.72% gross) on your full current account balance, paid monthly. This builds on a 1% AER base rate that all Biscuit customers receive, with an additional 1.75% applied when you choose this option. There is no cap on the balance that earns interest, and no minimum balance required.
• Cashback on bills: 3% cashback on up to £150 of Direct Debit payments per month, worth up to £54 a year. Covers regular household bills paid by Direct Debit such as energy, council tax and broadband.
• Cashback on eating out: 3% cashback on up to £150 a month spent at restaurants, takeaways and bakeries, worth up to £54 a year.

Every Biscuit account also includes the 1% AER base interest on your balance, fee-free card spending abroad, and a free barista-made Caffè Nero drink every month, regardless of which benefit you choose.

Does Zopa Biscuit have a switch offer?

Zopa does not currently run a structured switch offer. Unlike some high street banks, Biscuit does not offer a cash bonus for switching your main current account. Check out our current bank switch offers page to see which banks are currently offering a cash incentive.

It is also worth noting that Biscuit does not support the Current Account Switch Service (CASS). You can still switch to Biscuit, but you will need to update your Direct Debits, standing orders and salary manually rather than having them moved automatically within the standard seven working days.

Is the Biscuit interest benefit worth it?

At 2.75% AER variable, Biscuit pays more on your current account balance than most free high street accounts. On an average balance of £2,000, that is roughly £55 a year in interest with no cap and no minimum balance.

The cashback options offer up to £54 a year on bills or eating out. For customers who spend heavily on household bills by Direct Debit and have a lower average balance the bills cashback benefit may return more in practice. The flexibility to switch between all three means you can adapt as your situation changes.

By comparison, NatWest's free Select account pays no interest at all. The NatWest Reward account earns £4/month (£48/year) in Rewards for having two or more Direct Debits, at a £2/month fee, so the net is £24/year before cashback, and you need to pay in £1,250/month to earn the Rewards. For customers who do not meet that threshold, Biscuit's interest benefit is likely to return more on a typical balance.

How good is Zopa's customer service?

Zopa scores significantly better than the high street average in independent review data, though as a newer current account provider it has not yet been included in Which?'s annual survey.

Trustpilot: 4.6/5 from over 38,500 reviews, rated "Excellent." Zopa has not recently invited customers to leave reviews, meaning the score reflects unprompted feedback. 88% of reviews are five stars. Common themes include fast application processes, competitive rates and a well-designed app. Zopa replies to 98% of negative reviews, typically within a week showing a responsive customer service.

Awards: Best Banking App at the British Bank Awards 2026, voted for by consumers, and Best Personal Current Account at the Moneynet Awards 2026. Fourteen-time winner at the British Bank Awards overall.

Support hours: In-app chat and phone support are available Monday to Saturday. Zopa does not offer 24/7 support.

How can I contact Zopa customer service?

• In-app: Live chat in the Zopa app, Mon to Fri 8am - 8pm and Saturday 9am - 5:30pm
• By phone: Call number 020 7580 6060 Monday to Saturday, Mon to Fri 9am - 6pm and Saturday 9am - 5:30pm
• Complaints: You can complain via the app, by phone or in writing. If this is unresolved after 8 weeks, you can escalate to the Financial Ombudsman Service free of charge.

How does Zopa compare with other banks?

Zopa vs Monzo

Monzo is significantly bigger than Zopa having 15.2 million customers (year to March 2026) with Zopa having just over 1.5 million. Both are digital-only challengers with no branches, with Trustpilot scores of 4.6/5 for Zopa and 4.6/5 for Monzo. Monzo scores 85% in Which?'s survey where as Zopa has not yet been rated. The reward difference is significant: Monzo's free account offers no in-credit interest and no cashback with rewards being reserved for Monzo Extra, Perks and Max paid tiers. For customers who want a meaningful return from a completely free account, Biscuit has a clear advantage. Monzo does support CASS and offers an arranged overdraft; Biscuit does not offer either.

Zopa vs Chase

Chase offers 2% cashback on select spending categories, which suits heavy card spenders. Biscuit's cashback is category-specific being bills or eating out. Chase scores 82% in Which?'s survey; Biscuit has not yet been rated. Both are app-only with no branches. Chase supports CASS; Biscuit does not. Chase is a better option for spending cashback whereas Zopa wins on bills cashback and interest.

Zopa vs Starling

Starling is a well-established digital bank with a 4.4/5 Trustpilot score and fee-free overseas spending, similar to Biscuit. Starling's free current account earns no in-credit interest and no cashback. Biscuit has a clear advantage on rewards for customers who want their everyday account to work harder. Starling supports CASS whereas Biscuit does not.

Zopa vs NatWest

NatWest offers branch access and a Reward account that earns cashback with two or more Direct Debits, but scores 1.4/5 on Trustpilot against Biscuit's 4.6/5. NatWest's free Select account pays no interest and charges 2.75% for overseas card spending. Biscuit is free, earns interest or cashback on every account, and charges nothing for overseas card spending. NatWest also offer the current account switch service (CASS) support and overdraft availability. NatWest is better for branch access, product range and overdrafts whereas Zopa is better for fee free overseas spending, current account perks and a free monthly coffee.

Who is Zopa Biscuit best for?

Biscuit works best for customers who want a free account that actively rewards them, without paying a monthly fee.

Biscuit may suit you if:

• You want a free account that pays interest or cashback on everyday spending
• You travel and want fee-free overseas card spending as standard
• You are happy managing everything by app
• You do not rely on an overdraft

You may want to compare alternatives if:

• You need a physical branch network; Biscuit is app-only
• You rely on an overdraft - Biscuit does not offer one
• You want to use the current account switch service (CASS) to switch quickly and automatically
• You need 24/7 customer support
• You want a packaged account with travel or phone insurance

How we reviewed Zopa Biscuit

MoneyHQ's Zopa Biscuit review is based on product information from Zopa's published pages (checked October 2026), Trustpilot ratings checked October 2026, and British Bank Awards 2026 results. Zopa has not yet been included in Which?'s annual current account survey. MoneyHQ does not carry out its own customer satisfaction surveys or banking app testing.

Last reviewed: October 2026

Trustpilot checked: October 2026