Biscuit by Zopa

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Free current account with 2% cashback on bills and 2% AER on your balance

Fee: No fee
Foreign fee: None
Rewards: Cash back

Rewards

2% cashback on eligible Direct Debit bill payments, on up to £1,500 of Direct Debits per year (maximum £30 cashback per year). Also earns 2.00% AER variable interest on the full everyday balance with no upper limit.

Our verdict

What stands out, and where it falls short.

What we like

2% cashback on eligible Direct Debit bill payments, on…
No card fee
No foreign transaction fees

Who It Is For

Whether the Biscuit by Zopa fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Foreign transaction fee: None
Cashback on bills: 2% on up to £1,500 of Direct Debits per year (max £30/yr cashback)
Interest on balance: 2.00% AER variable (1.98% gross) on full everyday balance
Regular Saver pot: 7.10% AER variable (6.87% gross) on up to £300/month for 6 months
Overseas ATM fee: Free up to £200 per 30 days; 2% fee thereafter

Rewards and features

Rewards: 2% cashback on eligible Direct Debit bill payments, on up to £1,500 of Direct Debits per year (maximum £30 cashback per year). Also earns 2.00% AER variable interest on the full everyday balance with no upper limit.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
FSCS protection: Up to £120,000 per eligible depositor
Virtual card: Instant virtual card issued on account opening before physical card arrives

Benefits and perks

Extras that come bundled with the card.

Fee-free overseas spending

0% fee on all card purchases abroad; real Visa exchange rate applied with no Zopa markup
2% AER on balance

Earn 2.00% AER variable interest on your full everyday balance with no maximum cap
2% cashback on Direct Debits

Earn 2% cashback on eligible bill payments via Direct Debit, on up to £1,500 per year (max £30/yr)

Eligibility

What you need before you apply.

Residency: UK resident, UK-only tax residency; not a US citizen
Minimum age: 18

Biscuit by Zopa: your questions answered

Does the Biscuit by Zopa have a card fee?

No - the Biscuit by Zopa has no card fee.

What rewards does the Biscuit by Zopa earn?

The Biscuit by Zopa earns 2% cashback on eligible Direct Debit bill payments, on up to £1,500 of Direct Debits per year (maximum £30 cashback per year). Also earns 2.00% AER variable interest on the full everyday balance with no upper limit..

Does the Biscuit by Zopa charge foreign transaction fees?

No - the Biscuit by Zopa has no foreign transaction fees, so it suits spending abroad.

Is the Biscuit by Zopa a credit, debit or prepaid card?

The Biscuit by Zopa is a debit card issued by Zopa Bank on the Visa network.

Does the Biscuit by Zopa support Apple Pay and Google Pay?

Yes - the Biscuit by Zopa works with both Apple Pay and Google Pay.

Where can I get the Biscuit by Zopa?

The Biscuit by Zopa is currently offered in United Kingdom.

How does DebitCue rate the Biscuit by Zopa?

DebitCue rates the Biscuit by Zopa 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Biscuit by Zopa?

Use the Apply now button to continue on Zopa Bank's secure site. Comparing and applying through DebitCue is free.