Biscuit is the free bank account from Zopa, built for anyone who wants to get more out of their everyday money. With interest on your balance, budgeting pots, cashback options and smart tools to help keep spending on track, you can use Biscuit to help your student loan go further.
Earn money while your student loan sits there
Most standard bank accounts don’t do much for you. Biscuit pays interest on your bank balance as standard, so your money is growing while it’s just sitting in your account.
Plus, there’s cashback on bills and fee-free card spending abroad with the real Visa exchange rate.
Tuck into the current account that pays you back:
Grow your savings faster
Save up to £300 a month for 6 months at 7.1% AER* (6.87% gross**) variable interest.
Get more from your bank balance
Earn 2% AER* (1.98% gross**) variable interest on your bank balance.
Bite back against bills
Get 2% cashback on up to £125 of Direct Debits each month.
Take control, just by asking
Tell Biscuit what you want to do and it gets to work – helping you spend, save and stay in control of your money without the faff. Ask things like:
- Have I spent more money on going out or takeaways since September?
- Send Gina £10 for last night’s taxi
- Move £50 to my food budget pot
- I’ve lost my debit card, freeze it now
Budgeting made easy
Split your money into separate pots for rent, food, going out – whatever makes sense for you. You can also ask Biscuit to set you a weekly food budget with a spending alert, and you’ll always know where you stand. No guesswork or clunky spreadsheets.
Never chase your mates for money again
House dinners, group shops, taxis home – those little shared costs add up fast, and chasing your friends for money is nobody’s favourite. With Biscuit, you just take a photo of a receipt and split it between everyone instantly. You can request money from a mate straight from the app, too.
Totally free
You won’t pay a monthly fee for Biscuit and there’s no minimum amount to pay in, so it fits around your uni life from day one.
How to get started
It only takes a few minutes to open a Biscuit bank account – it’s all done on the Zopa app. Join Biscuit now.
*AER stands for ‘annual equivalent rate’. We pay you interest on a monthly basis, but AER shows you the rate you’d get if this monthly interest was compounded and paid once a year instead. **We pay gross interest, which means nothing is deducted for tax.
Rates correct as at 10 July 2026 and may change. Visit zopa.com/current-account for the latest rates. 18+ UK tax residents only. T&Cs apply.
All link to www.zopa.com/current-account
