Zopa Biscuit Bank Account: £10 Refer-a-Friend
Zopa is offering a free £10 cash bonus to new UK customers who open a Biscuit current account using a referral link. This straightforward guide breaks down everything you need to know to claim your reward, including step-by-step sign-up instructions, exact eligibility requirements, and important terms regarding referral caps.
Bank Boost Verification
Source: Official Offer Terms
Always confirm the latest eligibility rules with the bank before applying. Terms are subject to change.
💳 Offer Overview
Bonus Amount:
£10 cash (credited directly to your Zopa account)
Bonus Paid:
Within 30 days of your account being successfully opened (though it is usually credited instantly).
Offer Ends:
Ongoing promotion with no specific end date, but Zopa reserves the right to withdraw it at any time.
✅ Eligibility
To receive the bonus, you must:
Be a completely new Zopa customer (you must not have used the Zopa app or held any previous Zopa products or accounts).
Be a UK resident aged 18 or over.
Not be employed by Zopa.
📋 How to Qualify
Click a specific Zopa referral link and enter your mobile number on the sign-up page.
Download the Zopa app using that same link.
Open a Biscuit current account within 30 days of submitting your mobile number.
Verify your ID using a passport or driving licence.
⚠️ Important Notes
The Referral Cap: Each user can only refer a maximum of 10 people (£100 total). If the person whose link you used reaches their 10-person limit before your account is fully opened, you will not receive the £10 bonus.
Link Tracking: If you click multiple referral links before downloading the app, only the owner of the last link you clicked will receive the credit.
Account Standing: If your new Zopa account is closed or suspended before the £10 is credited, you will forfeit the bonus.
🌟 Account Perks & Benefits
The Biscuit account doesn't just offer a sign-up bonus; it is free to open and comes with several everyday value features built right in (offering an estimated financial value of up to £242+ per year):
4% Cashback on Bills: For a limited time, earn double cashback (4%) on up to £2,000 of household bills paid via Direct Debit each year.
2% AER on Current Account: Earn 2% AER (variable) interest on your main bank balance with no upper limit on the interest you can earn.
7.10% AER Regular Saver: Access an exclusive Regular Saver pot where you can deposit up to £300 a month for 6 months at a market-leading variable rate, while still being able to withdraw anytime.
Fee-Free Overseas Spending: Use your card abroad with zero added foreign transaction fees, utilising the real Visa exchange rate.
Smart App Features: Move money instantly between different banks using the "Zap" feature and manage your money hands-free with the Zopa voice assistant.
FSCS Protection: Zopa is a fully licensed digital bank. Following the recent December 2025 updates, your eligible deposits are protected up to £120,000 under the Financial Services Compensation Scheme.