Quidsy member
11 offers completed
Very easy
£20
Zopa is a digital bank offering a current account, savings, loans and credit cards through its Biscuit app.
Offer overview
Chris · Your personal guide
Sign up with the link
Sign up to Zopa using the referral link below, then open a Biscuit current account in the app.
New to Zopa only: you must never have had a Zopa account or used the app.
- Credit check
- Soft check
Step by Step Guide
1
Start here
Sign up to Zopa
8 mins
- 1Tap Sign up to Zopa and enter your mobile number on Zopa's page
- 2Check how many card payments Zopa's page asks for. If it's more than this guide says, make that many.
- 3Download the Zopa app and sign up with that same number
- 4Verify your identity with passport or driving licence
Up next · 3 steps
2
Open your Biscuit account
2 mins
- Open your Biscuit current account in the app
3
Make 1 card transaction
3 mins
- Deposit £1 or more, depending on the transaction you will make.
See my top 3 card payment tips if you need ideas for this.
In-store, online, contactless, Apple Pay and Google Pay all count.
No need to wait for your physical card. You can use your virtual card in the app.
You have 30 days from entering your mobile number on Zopa's page.
4
Receive £20 cash
2 days (max 1 month)2 mins
- Spend or transfer to your main bank
4 steps to £20
Member experiences
70 completions (all-time offers)
How fast members were paid
Days from meeting the criteria to the cash arriving
1.6
Average days
- 7 in 1 to 3 days
- none in 4 to 7 days
- none in 8 to 14 days
- none in 15 to 30 days
7 member timings (current offer)
Member ratings
5.0
out of 5
- 5 stars: 4
- 4 stars: 0
- 3 stars: 0
- 2 stars: 0
- 1 star: 0
4 member ratings
Quick review
Zopa
Wondering whether Zopa is worth it beyond the bonus? Here is our honest take.
Right now Quidsy has one live Zopa offer: £20 for opening a Biscuit current account through a referral link and making 1 card payment within 30 days. Best as a secondary account. Heads-up: app-only, no joint accounts.
CategoryQuick Wins
Last updated
Chris' verdictYour personal guide, QuidsyZopa's Biscuit account is one of the more interesting current accounts I've tested in the last couple of years. The combination of 2% AER on your everyday balance, real cashback on the household bills you're going to pay anyway, and fee-free spending abroad means it actually earns its keep instead of just sitting there.
It works best as a secondary account, particularly if you point your bills at it to squeeze the cashback. For couples wanting a single shared current account, it isn't quite there yet (no joint accounts), and if you prefer being able to walk into a branch, you'll be happier elsewhere. But for anyone comfortable with app-only banking who wants a genuinely competitive everyday account, it's an easy recommendation.
The £20 bonus for new customers takes about 15 minutes to set up (you just need to make 1 card payment), and you get a properly built bank account out of it. With FSCS protection up to £120,000 and a full UK banking licence behind it, you're not taking a fintech gamble here. Zopa has been a profitable, fully licensed bank for years now.
Authorised by the PRA, regulated by the FCA and PRA. FRN 800542. Eligible deposits FSCS-protected up to £120,000.