This offer has ended
Zopa closed this offer on 02 Jul 2026.
View the current Zopa offer: £10 Cash Bonus
Zopa
£20 Free Cash
Current account
£19profit
14mins to complete
Offer overviewChris · Your personal guide
Zopa is a mobile banking app offering a current account called Biscuit.
The refer-a-friend reward has been bumped up to £20, and it's still one of the simplest offers around. Open a Biscuit current account through the link below, then set up a single Direct Debit within 30 days. That's the whole job.
The easiest way to tick the Direct Debit box is the £1 Quidsy Direct Debit (the link is in the Direct Debit step). Keep £1 in your Zopa account to cover it, and once your £20 lands you can cancel it, leaving you £19 in profit.
Prefer not to set that up? You can point a Direct Debit you already pay at your new Zopa account instead. Just log in to that provider, switch the payment to your Zopa details, and make sure there's enough in the account to cover the next payment. Either way, one Direct Debit is all you need.
One thing worth knowing: Zopa wants to see the Direct Debit actually go out, so keep it running until your £20 arrives. Grab your free cash first, then have a read of the full review below.
Key terms
+£19
Deposit£1
For the £1 Quidsy Direct Debit (or move an existing one for free)
Credit checkSoft check
Free cash£20
Free cash arrives30 days
Once criteria met
Step by Step Guide
Start here
Open your Zopa Biscuit account
8 mins
- 1Tap 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: £10 Cash Bonus - 2Download the Zopa app through the same link and complete signup, including ID verification (passport or driving licence)
- 3Open 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
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.
Receive £20 free cash
Within 1 month2 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
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: a £10 bonus for opening a Biscuit current account, with no deposit and no Direct Debit needed. Biscuit also pays 2% on your balance, 2% cashback on bills, and fee-free spending abroad. Best as a secondary bills-and-travel 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 12 minutes to set up (you just need one Direct Debit running), 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.