Zopa Biscuit Bank Account: Refer-a-Friend

Zopa runs a Refer a Friend offer for its Biscuit current account, where eligible new customers and their referrer can both receive a cash reward. The exact reward and qualifying task can vary between referral links.

You'll need

• An eligible Zopa referral link

• A new Zopa Biscuit current account

• The exact qualifying task shown on your referral

• Completion within 30 days of entering your mobile number through the referral

Eligibility

• Aged 18+ and based in the UK

• New to Zopa

• UK resident and only UK tax resident

• Not a US citizen

• Able to pass Zopa identity and regulatory checks

Offer snapshot

• Reward: Varies by referral

• Account: Zopa Biscuit current account

• Bank switch and CASS: No

• Direct Debits, card transactions and pay-in: Only if your referral specifically requires them

• Account opening deadline: Within 30 days of entering your mobile number through the referral

• Reward payment: Within 30 days after opening Biscuit and meeting the referral criteria

Zopa confirms that the exact reward amount and criteria are shown through the Refer a Friend journey and dashboard.

Read Zopa's current referral information before signing up.

Use Find me a link in Bank Boost to get an available Zopa Biscuit referral.

Check the link before continuing

When the Zopa referral page opens, read the offer carefully. Look for the cash reward, qualifying requirement and deadline. Do not continue until you know which variation you have been allocated.

Enter your mobile number

• Tap the referral link
• Enter your mobile number
• Download or open the Zopa app
• Open your Biscuit current account within 30 days

Bank Boost referral pool

Zopa says eligible referrers can share their unique link any way they like. This makes Zopa compatible with the Bank Boost referral pool, subject to each individual link still having referral capacity and an active promotion.

Download the Zopa app and apply for the Biscuit current account. Open it within 30 days of entering your phone number through the referral link.

Complete verification

Zopa may ask for personal details and identity verification. Accepted identification can include a passport, driving licence, eligible national ID or eligible residence permit, and you may be asked for a selfie to match against your ID.

Soft credit check only

Opening Biscuit involves a soft credit search to help Zopa verify your identity. Zopa says it does not affect your credit score, other lenders do not see it as a credit application, and your credit score does not determine whether Biscuit is approved.

Note: Zopa may verify your account immediately, however, some users report this taking up to 3 days.

Once the account is open, you can use your Zopa card through Apple Pay or Google Pay while waiting for the physical debit card. This can help if your particular referral requires card transactions.

Complete the exact requirement displayed on your referral. This is the part that varies between Zopa promotions.

Card transactions

Your referral might say, for example, to make at least three card transactions within 30 days. If so, complete at least the number displayed using genuine purchases with your Biscuit debit card, physical card, Apple Pay or Google Pay where accepted.

Do not substitute ordinary bank transfers for card transactions, and do not rely on unusual or artificial transactions designed purely to manipulate the promotion.

Direct Debit

Some referrals require a Direct Debit. If yours does, find your Biscuit details under Account → Manage → Account details and give the company your Zopa account number and sort code. Follow the referral wording to see whether the Direct Debit only needs to be active or must actually collect a payment.

Deposit

Some variants require money to be paid into Biscuit. If yours does, transfer at least the exact amount specified. Biscuit accepts bank transfers rather than cash or cheque deposits.

No extra task

Some referrals may simply require you to open Biscuit successfully. If that is what your referral says, do not create extra requirements for yourself.

Once you have opened Biscuit and completed the specific criteria attached to your referral, Zopa pays the applicable cash reward directly into your Biscuit current account. Both you and your referrer receive the reward applicable to that referral.

Do not close the account while waiting. Zopa says a referred customer who closes Biscuit before their reward is paid will not receive the referral reward.

Haven't been paid?

• I used the referral before opening Zopa
• I entered the correct mobile number
• I opened Biscuit within 30 days
• I completed the exact requirement attached to my referral
• I completed it within the deadline
• My account is still open

The referrer can also check their Refer a Friend dashboard, which updates referral status in real time. If the requirements are complete and 30 days have passed, contact Zopa support.

Zopa does not automatically give every Biscuit customer referral access. Its Refer a Friend programme is gradually offered to selected existing customers.

Check your app

Look under Zopa → Profile → Refer a Friend. If eligible, you will see a tile containing your referral link, current reward amount, qualification requirement, promotion end date where applicable and remaining referral allowance.

Your referral cap can vary

Do not hard-code a limit of 10 referrals. Zopa's current guidance says you can refer up to the limit shown in your app. Once you reach that limit, the Refer a Friend tile may disappear and further referrals will not generate a reward.

Upload your link to Bank Boost

• Copy your Zopa referral link
• Check the reward
• Check the qualifying task
• Check your remaining referral allowance
• Add the referral asset to Bank Boost

Because Zopa referral terms can vary between users, these details should be stored per referral asset rather than assumed at offer level. For example: reward £20, three card transactions, 30 days and eight remaining uses.

Check Zopa's current Refer a Friend information before sharing a link.