This offer has ended

Zopa closed this offer on 02 Jul 2026.

View the current Zopa offer: £20 Cash Bonus
Zopa logo

Zopa: £20 Free Cash

14 mins£81/hr

£19

Zopa is a mobile banking app offering a current account called Biscuit.

Chris

Offer overview

Chris · Your personal guide

Sign up with the link

  • Open your Zopa Biscuit account
Credit check
Soft check

Step by Step Guide

1
Start here
Open your Zopa Biscuit account
8 mins
  • 1
    Tap the button below to open Zopa via the referral link, then enter the mobile number you'll use to sign up

    This offer has ended, so there is nothing to start here.

    View the current Zopa offer: £20 Cash Bonus
  • 2
    Download the Zopa app through the same link and complete signup, including ID verification (passport or driving licence)
  • 3
    Open your Biscuit current account in the app
You need to be a new Zopa customer. This offer is only for people who have never had a Zopa account before.
Up next · 2 steps
2
Set up one Direct Debit
4 mins
  • Set up at least one Direct Debit from your Zopa account (within 30 days of signing up). There are two easy ways:

  • Option 1 (recommended): Set up the £1 Quidsy direct debit. This is the quickest method, as the £1 is taken within 5 working days. You only need £1 in your Zopa account to cover it.

  • Option 2: Move an existing Direct Debit to Zopa. Log in to that provider, switch the payment to your new Zopa account details, and make sure there's enough in Zopa to cover the next payment.

  • Keep the Direct Debit active until your £20 has been paid. Zopa needs to see one payment go out before they reward you.

Set up your £1 Quidsy Direct Debit here. Once your £20 arrives, cancel it to keep £19 profit.
3
Receive £20 free cash
Within 1 month
2 mins
Counted from setting up your Direct Debit.

  • Zopa credits your £20 within 30 days of your Direct Debit being set up and the first payment going out

  • It lands in your Biscuit account, ready to spend or transfer to your main bank

  • If you used the £1 Quidsy Direct Debit, you can cancel it now. You're £19 in profit
3 steps to £19
Zopa logo

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, Quidsy

Zopa'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.

Read the full Zopa review
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Authorised by the PRA, regulated by the FCA and PRA. FRN 800542. Eligible deposits FSCS-protected up to £120,000.