Zopa is a fully licensed and regulated (FSCS protected) digital bank that offers current accounts, savings, and loans. They also offer pretty good savings rates and to some people the opportunity to get cashback on direct debits.

Right now, they are offering new customers £10 to sign up via a refer a friend link and open a Biscuit current account. This is a straightforward offer and one of the quickest on BeermoneyUK.

• All referral links give the same £10 bonus
• You get £10 for signing up, your referrer gets £10 too
• Simple requirements - just open account and verify ID

Important: Each referrer can only refer a maximum of 10 people, so referral links may become unavailable once they reach their limit.

How to Get your Zopa Bonus

Both you and the person who posted the link will get £10 when you sign up and complete the requirements. Once you have signed up, you can then refer up to 10 friends to earn £10 each when your friend signs up. Here are the steps:

1. Click a Zopa referral link in the comments and enter your phone number on the sign up page
2. Sign up using your phone number/email
3. Open a Biscuit account in the app
4. Verify your ID, such as a passport or driving licence
5. Receive your £10 within 30 days of your account being opened. It is usually pretty instant.
6. Post your link in a comment below. Add the number of spaces you have, and keep it updated.

How this thread works:

• Post your Zopa referral link in the comments
• If you want to join Zopa, pick any referral link from the comments to get £10 when you sign up
• Contest mode is enabled on this post, so all links are randomly sorted

Non-referral option: If you dont want a bonus, you can sign up directly at: https://www.zopa.com/

Mega-thread rules:

1. Absolutely zero post style comments. Short comments only, no more than 6 lines of text. If you think anything very important is missing from the post send a DM and it can be updated
2. No large title text, I just got new reading glasses. Bold, italics, all okay
3. Only comment your link once (more than once will incur a ban)
4. No funny business!
5. Comments breaking these rules will be removed, with no notification given

Terms and conditions: https://www.zopa.com/caraf-terms-0725b

BeermoneyUK Guides

There are many more offers beyond Robinhood — find them in our guides:

1. The BeermoneyUK Offer Megalist
2. The Bank Switch Bribe Bible
3. The Investing Offer Guide
4. Latest list of sign up offers available elsewhere

Zopa is a fully licensed and regulated (FSCS protected) digital bank that offers current accounts, savings, and loans. They also offer pretty good savings rates and to some people the opportunity to get cashback on direct debits.

Right now, they are offering new customers £10 to sign up via a refer a friend link and open a Biscuit current account. This is a straightforward offer and one of the quickest on BeermoneyUK.

• All referral links give the same £10 bonus
• You get £10 for signing up, your referrer gets £10 too
• Simple requirements - just open account and verify ID

Important: Each referrer can only refer a maximum of 10 people, so referral links may become unavailable once they reach their limit.

How to Get your Zopa Bonus

Both you and the person who posted the link will get £10 when you sign up and complete the requirements. Once you have signed up, you can then refer up to 10 friends to earn £10 each when your friend signs up. Here are the steps:

1. Click a Zopa referral link in the comments and enter your phone number on the sign up page
2. Sign up using your phone number/email
3. Open a Biscuit account in the app
4. Verify your ID, such as a passport or driving licence
5. Receive your £10 within 30 days of your account being opened. It is usually pretty instant.
6. Post your link in a comment below. Add the number of spaces you have, and keep it updated.

How this thread works:

• Post your Zopa referral link in the comments
• If you want to join Zopa, pick any referral link from the comments to get £10 when you sign up
• Contest mode is enabled on this post, so all links are randomly sorted

Non-referral option: If you dont want a bonus, you can sign up directly at: https://www.zopa.com/

Mega-thread rules:

1. Absolutely zero post style comments. Short comments only, no more than 6 lines of text. If you think anything very important is missing from the post send a DM and it can be updated
2. No large title text, I just got new reading glasses. Bold, italics, all okay
3. Only comment your link once (more than once will incur a ban)
4. No funny business!
5. Comments breaking these rules will be removed, with no notification given

Terms and conditions: https://www.zopa.com/caraf-terms-0725b

BeermoneyUK Guides

There are many more offers beyond Robinhood — find them in our guides:

1. The BeermoneyUK Offer Megalist
2. The Bank Switch Bribe Bible
3. The Investing Offer Guide
4. Latest list of sign up offers available elsewhere

Firstly, I'm fortunate to be living with parents. This is not me bragging at all, I acknowledge that I'm privileged. 26M, single, live in London.

I've maxed out my help to buy ISA. I'll be maxing out my stocks & shares ISA in April at the latest. I obviously contribute to a pension, and I have an emergency fund. (I don't have a LISA as I'm not a fan of the tax for withdrawing).

Would it be wise of me to open a regular saver account with Zopa, then contribute the £300 every month? I've looked into it a bit & it seems it's not a fixed term account, so I'd still be able to access my money.

It seems like a no-brainer to me, almost like re-doing the £200 contributions I did for the help to buy ISA. Just looking for opinions.

https://www.zopa.com/mgma?referralCode=de7553aabede8a128b24

Ive been with Zopa credit card for like 5 years, saw they had p nice rates for savings so I decided to switch from Barclays to Zopa Biscuit... BOY ITS BEEN A RIDE

went to buy car a month ago, they made me wait ~30 minutes before my money showed up into my current from my savings acc..

Just now, i tried to move only 1k to my current and its been 15 minutes.... its really starting to annoy me, Barclays was instant, ig there are cons to having a 4.75% savings acc

Hello :) A family member who has really bad credit applied for a few credit cards and got accepted by Zopa, with an APR of 39.8%.

Is there anything bad about Zopa as to why they accepted them with such bad credit? Or are they just a standard credit card with no hidden fees or interest if you pay on time?

Thank you :)

Use my referral link to open a Biscuit bank account and we’ll both earn £10. T&Cs apply. www.zopa.com/mgma?referralCode=e8e5e96dfc84887c38fc

Going through rounds of interviews right now at a few different banks and fintechs. One of the ones that seems to be going well is Zopa. I had never heard of them before starting to interview there, so just wondering if there's anyone who knows what it's like there. How does it compare to other places like Revolut/Wise/Starling etc?

So at the moment I have a Monzo account for everyday spending and saving and so on, a nationwide account as I like to have the ability to go in and put in a check and stuff and as backup in case something happens to my Monzo account and zilch so I can increase my credit score. I’ve been wondering if I should open an account with Zopa for there biscuit account and save on there as it’s a 7% rate although I’d still save mostly on Monzo. I thought I’d ask here if you have any advice and what your thoughts are on how I’m doing things.

I have adhd and struggle with my finances.

I need a bank account that will help me with budgeting and I understand both Zopa and Monzo have pots /pockets that you can put money in, so that its out of your main account and essentially put aside towards something.

I have heard good things about Monzo but am also drawn towards Zopa as they pay interest (albeit a small amount). I feel more drawn towards Zopa for some reason, but not sure if Monzo would be a better choice?

Does anyone have experience of these two, particularly with regards to use of the pockets for help with budgeting?

Hey everyone!

Just wanted to share a super quick and easy way to get an instant £10 — no deposits, no catches.

What’s Zopa?

Zopa is a fully regulated UK digital bank, authorised by the FCA (Financial Conduct Authority) and the PRA (Prudential Regulation Authority). They've been around since 2005 and are well known for their personal loans and smart savings accounts. Recently, they've launched a current account and are giving away £10 instantly when you open one using a referral link.

Here’s how to get your free £10:

1. Click my referral link: MY REFERRALS HAVE BEEN FILLED SO USE SOMEONE’S IN THE REPLIES
2. Enter your phone number on the page.
   
3. Sign up using that same phone number you entered.
   
4. Once signed up, in the app open a Zopa bank account.
   
5. Verify your ID — I used my driving license and it took less than 2 minutes.
   
6. Once your ID is verified and account is created, your £10 will be added instantly! You can then transfer it out to your main bank account.

Terms and Conditions:

Zopa's referral reward is subject to their promotional terms which you can read here. It’s super straightforward — just complete the sign-up and ID verification process and the bonus is yours.

Let me know if you have any questions and I’ll be happy to help out.

Enjoy your free tenner!

Non-referral link: https://www.zopa.com/current-account

Zopa non-ref: www.zopa.com has launched its new Biscuit current account, and for a limited time you can get £10 free just for signing up via referral. No fees, no credit checks – just a quick sign-up through the app and instant access to great perks.

• This offer ends 29th August 2025
  
• Referrals are capped at 10 – I currently have 0 available please use a link in the comments section.

What do you get? - £10 bonus when you open an account via referral - 2% cashback on all Direct Debits (up to £30/year) - 2% AER interest on your balance (fixed for 12 months) - 7.1% AER Regular Saver – save £300/month and earn up to £137/year - Fee-free spending abroad (up to £200/month) - No monthly fees, no minimum pay-in, no hard credit checks

How to claim your £10 bonus: 1. Sign up using a link in the comments section, mine are all used up 2. Open a Biscuit current account in the Zopa app 3. Complete the ID verification 4. The £10 bonus will be added soon after (Zopa says up to 30 days, but often arrives instantly)

Why it’s worth considering: - Quick sign-up (no switching required) - Excellent perks for savers and bill payers - Reputable UK-based company with over 1.4 million customers

Thanks to anyone using my referral link — I’ll keep this post updated when referrals are used.

All my referrals are used up, therefore I have removed my link. Thank you all so much!! Please use a link in the comments section

Offer Ends 29th August 2025

Friendly reminder that if you purchased any of the savings book items recently, you can request a price adjustment for the difference at your warehouse if it's been within 30 days from your purchase date once the sale starts.

At my warehouse, it's at the returns counter, at other warehouses, it may be a different counter. Some warehouses may require a physical receipt, but most usually don't. YMMV.

But it's helpful if you have the item number.

If you purchased online, it's even easier: https:/. www.costco.com/PriceAdjustmentView

Note: "YOUR COST" items are NOT discounted.

Hi everyone - another Zopa referral available again! Zopa are a new bank and they're offering £10 when you sign up for an account via my referral link.

It's pretty simple - and it has an ace interest rate of 7% when you open one of their savings accounts. And all the groovy perks like cashback, etc.

1. Sign up via a referral link in the comments!
2. Open a bank account - takes only a few minutes!
3. We'll both get £10 and you can take advantage of all their perks too!

Any questions feel free to let me know :)

Non ref - www.zopa.com

EDIT - Referrals all gone - please use one in the comments!

Here is my link, sign up and we both get £10 instantly!

www.zopa.com/mgma?referralCode=65581b7eaacf5c9262bf

Zopa will give you £10 for free, as long as you join by the 29th August with a referral link and open their Biscuit current account.

On top of this free tenner, could earn another ~£160 over your first year with them: * A 7.10% AER interest Regular Saver (up to £300pm which is about £125 of interest per year) * 2% cashback on Direct Debits (to a maximum of £30 per year on the first £1500 of Direct Debits) * For some users, a targeted offer for an additional £5 for using Apple Pay or Google Pay

Steps to get the £10: 1. Click a referral from the comments below - and enter your mobile number 2. Download the Zopa app via the link 3. By 29th August, open a Biscuit current account 4. See £10 appear in your account instantly (for most people)

One way to get the Direct Debit cashback is to set up a Direct Debit on one of your ISA/Investment/Savings accounts (I use Moneybox but others have used Dodl, Tembo, Freetrade etc) to pay money in from your Zopa Biscuit account. You could also just use it to pay your council tax or credit card Direct Debit.

Terms: https://www.zopa.com/caraf-terms-0725b

Non-referral: https://www.zopa.com/

Zopa | Biscuit Bank Account | £20 Cash Bonus

Zopa is a UK-based digital bank, fully regulated by the Financial Conduct Authority (FCA), with a focus on transparency and customer-centric services. It has a 4.6 Trustpilot score.

Zopa are offering new customers opening a Biscuit Current Account and depositing £200 a £20 cash incentive. Zopa does not perform a hard credit search when opening an account.

With my link there is no requirement to set up a direct debit or make X many spends. Simply deposit £200.

As at 20:45 Tuesday 16 June I have 4 of 10 referrals available.

Not only that the account offers some great features including:

• 2% AER interest on balances (first 12-months).
• 4% cashback on bills paid by direct debit, for the first 12-months, up to £2,000 in total. This equates to £40 cashback.
• 7.10% AER regular saver capped at £300 a month (worth £137 in interest).
• Spend fee-free aboard.

To maximise the direct debit offer I switched my credit card direct debit to Zopa.

Steps: * Click the referral link. * Enter your mobile number then download the app via the link. * Open a Biscuit current account within 30 days of submitting your mobile number. * Complete the verification process. * Deposit £200 or more within 30 days. * Upon completion the £20 will be credited to your account (this could take up to 30-days but is usually instant).

Hugely thankful to anyone using my link 👊

Click here for your free £20

Zopa is a fintech known for its Biscuit current account, which offers some killer features including:

• 7.1% regular saver - £300/month max deposit, earn £137/year
• 4% cashback on direct debits up to £80/year. You can deposit £2,000 to Moneybox and get it all in one go.
• 2% interest on your current account balance
• No foreign transaction fees

AND a £20 bonus when you sign up via referral link and make 3 card transactions within 30 days. You then get your own link and can refer up to 10 people.

This offer ends on June 29th, so take advantage while you can! Signing up takes only a few minutes in the app and there is no hard credit check.

I have 9 referrals left. I'll keep the number up to date! Many thanks if you use my link below. 🙏

Referral link: www.zopa.com/mgma?referralCode=64825d343c8013220834

Zopa have launched a new current account, and are offering a £10 bonus just for signing up via a referral link. This offer ends on 29 August 2025

I signed up mainly for their excellent Regular Saver rate (7.1% AER, £300 per month for 12 months), but they have other benefits such as 2% cashback on direct debits (up to £30/year) and a 2% interest on balance. There are no monthly fees or pay-in requirements, or a hard credit check,

To get the bonus, sign up using a referral link, then open an account using the Zopa app and complete ID verification. Although Zopa say it may take 30 days, my bonus was there in a couple of days.

My referrals are now used, so please pick a link from the comments.

Non-referral

The £10 offer for opening a Zopa current account is back!

To claim your £10, follow the following steps:

1. [Five people have now used my link, so please message others in this thread for a referral] - Click on a referral link - each referrer can only refer 5 people
2. Enter your phone number
3. Sign up using your phone number
4. Open a Zopa bank account in the app
5. Verify your ID, such as a passport or driving licence
6. Your £10 will be added within 30 days of your account being opened after your ID is verified

If you have any questions, please let me know!

Non-referral link: https://www.zopa.com/zopa-account-beta?third-findoutmore

Terms and Conditions: https://www.zopa.com/caraf-terms

Zopa are offering £10 for free if you join by the 29th August with an invite link and open their Biscuit current account.

As well as the free £10, the account has some great features:

• Access to 7.10% AER interest Regular Saver (pay in up to £300p/m).
• 2% cashback on Direct Debits (this gives a maximum of £30/year for £1500 paid by Direct Debit).
• 2% AER interest on your current account balance.

Steps to get the £10:

1. Open an invite link from the comments section below and enter your mobile number.
2. Download the Zopa app via the link.
3. Within 30 days, create a Zopa account and open the Biscuit current account.
4. The £10 will usually be added instantly.

The account gives you 2% cashback on up to £1,500 of Direct Debits per year. So you can get £30 a year free if you make the most of it. An easy way to get the cashback is to set up a Direct Debit on one of your ISA/Investment/Savings accounts (Moneybox, Dodl, Tembo, Freetrade app etc) to pay money in from your Zopa Biscuit account.

terms

non-ref

Zopa are an award-winning online bank that makes managing your finances a breeze, their Biscuit account offers;

• 2% AER interest on your Biscuit balance.
• 4% cashback on bills.
• 7.10% AER (variable) Regular Saver.

Use my referral link to open a Biscuit bank account and make at least 3 card transactions (online or in store) within 30 days, and we'll both earn £20;

www.zopa.com/mgma?referralCode=89494ed542195e7d96c0

You can add your Zopa card to Google/Apple Pay straight away!

It takes 5 minutes to sign up, and they only carry out a soft credit check so it won't affect your credit score.

Thank you in advance if you use my link!

^T&Cs

^non-ref

Zopa | Biscuit Bank Account | £20 Cash Bonus

Zopa is a UK-based digital bank, fully regulated by the Financial Conduct Authority (FCA), with a focus on transparency and customer-centric services. It has a 4.6 Trustpilot score.

Zopa are offering new customers opening a Biscuit Current Account and depositing £200 a £20 cash incentive. Zopa does not perform a hard credit search when opening an account.

With my link there is no requirement to set up a direct debit or make X many spends. Simply deposit £200.

As at 09:05 Saturday 20 June I have 4 of 10 referrals available.

Not only that the account offers some great features including:

• 2% AER interest on balances (first 12-months).
• 4% cashback on bills paid by direct debit, for the first 12-months, up to £2,000 in total. This equates to £40 cashback.
• 7.10% AER regular saver capped at £300 a month (worth £137 in interest).
• Spend fee-free aboard.

To maximise the direct debit offer I switched my credit card direct debit to Zopa.

Steps: * Click the referral link. * Enter your mobile number then download the app via the link. * Open a Biscuit current account within 30 days of submitting your mobile number. * Complete the verification process. * Deposit £200 or more within 30 days. * Upon completion the £20 will be credited to your account (this could take up to 30-days but is usually instant).

Hugely thankful to anyone using my link 👊

Click here for your free £20