Biscuit by Zopa review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Biscuit by Zopa suits UK adults who want a plain debit account with nothing to pay, and who spend abroad without thinking about the exchange rate. Fees run at £0 a month and 0% on currency conversion, with cashback of 3% on spending.
Key facts
- Best for
- A fee-free UK debit account with no foreign exchange cost.
- Monthly fee
- £0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 3% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Zopa Bank Limited (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2005 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Travel
- Official website
- zopa.com
Credit cards
- Annual fee
- £0 (Source, checked September 26, 2026)
- APR
- 29.8% to 34.8% (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Perks
- Credit Cushion to set aside part of the available credit balance, Instant payment notifications and real-time balance updates, Instantly freeze the card if you spot an unusual transaction, View your PIN in the app, No fees for using the card abroad, Repay by debit card or set up automatic monthly repayments, Best Credit Card Provider at British Bank Awards 2026, Apple Pay support for the Zopa credit card and Biscuit debit card (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Zopa Bank Limited (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2005 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Travel
Apps and profiles
Pros and cons
Pros
- Nothing to pay: a monthly fee of £0 on a no-annual-fee model
- A currency conversion fee of 0% when the card is used abroad
- Cashback of 3% on card spending
- Instant payment notifications, real-time balance updates and instant card freeze in the app
Cons
- The Zopa credit card in the same family charges APR of 29.8% to 34.8%, above the site median of 20.97%
- Support runs on email, chat and phone only, so help is remote rather than in person
- Cashback of 3% is the whole reward, and the Zopa credit card lists a rewards type of none
Who it suits
- UK adults who want a fee-free everyday debit account
- Travellers and regular spenders who make card payments in other currencies
- Anyone who values instant card freezing and real-time balance updates in the app
Who should look elsewhere
- People after a secured credit card to build a credit history, such as Varo Believe at a monthly fee of $0
- Chime Card users, at a monthly fee of $0, want a secured Visa credit card rather than this debit account
Fees and currency costs
Biscuit charges a monthly fee of £0 and runs on a no-annual-fee model, so there is no set cost to holding the account in the UK. The currency conversion fee is 0%, against a site median of 1% and a top quartile of 2.5%. Both sit at the cheap end for a UK debit account.
Where it sits among rivals
On currency conversion fee, Biscuit ranks 1 of 259 brands compared, which puts the 0% charge at the top of that table. On monthly fee it ranks 1 of 419, alongside a site median of €0 and a maximum of €99. Price alone does not separate it from rivals; holding both a free month and a free conversion is the draw.
How Biscuit by Zopa compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.2
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9.3 vs 8.5
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9.3 vs 9.2
9.3 vs 9.0
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9.3 vs 9.4
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9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
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9.3 vs 8.0
9.3 vs 8.0
Where Biscuit by Zopa is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority and Prudential Regulation Authority (800542), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Biscuit by Zopa cost to keep?+
There is a monthly fee of £0 and the account runs on a no-annual-fee model, so holding it costs nothing. Spending is the only point money moves, and cashback of 3% comes back on card spending.
Is there a fee when I use the card abroad?+
The currency conversion fee is 0%, which is why Biscuit ranks 1 of 259 brands on that measure. The account is built for travel, and the Zopa card in the same family also carries no fees for use abroad.
Who regulates the account?+
The account is run by Zopa Bank Limited, which is regulated in the UK by the Financial Conduct Authority and Prudential Regulation Authority under licence 800542.
What kind of card comes with the account?+
Biscuit issues a debit card on the visa network. It supports Apple Pay, can be frozen instantly in the app if you spot an unusual transaction, and lets you view your PIN in the app.
What does the app let me do?+
The app sends instant payment notifications and shows real-time balance updates, so card spending is visible as it happens. You can freeze the card instantly and view your PIN there. Support runs on email, chat and phone.
What rewards does the account give?+
Rewards are paid as cashback of 3% on spending, and cashback is the reward type listed. The Zopa credit card in the same family carries a rewards type of none.
Is Biscuit by Zopa a credit card?+
Biscuit itself is a current account with a debit card, not a borrowing product. The separate Zopa credit card sits alongside it, with APR of 29.8% to 34.8% and no fees for using the card abroad.
Who is the account for?+
Biscuit is built for UK adults who want no monthly charge and no currency conversion fee, and who spend abroad regularly. It suits people who want cashback, real-time balance updates and instant card freezing in the app.
Sources
- zopa.com checked September 26, 2026
Backs: Founded
“We've been lending since 2005 and already offer award-winning credit cards, personal loans and savings accounts.”
- zopa.com/credit-card checked September 26, 2026
Backs: APR, Card kind, Perks, Rewards type
“Rates from 29.8%, Representative example: 34.8% representative APR variable based on an assumed credit limit of £1200. 34.8% p.a. variable purchase rate.”
- zopa.com/current-account checked September 26, 2026
Backs: Features, Card network
“Fee-free card spending abroad - Visa's exchange rate, no mark-ups from us. Use your card in 200+ countries and territories wherever Visa is accepted.”
- zopa.com/current-account/cashback checked September 26, 2026
Backs: Cashback rate
“Pick cashback on bills as your benefit and get 3% cashback on up to GBP 150 of Direct Debits each month.”
- zopa.com/help/article/using-debit-card-abroad checked September 26, 2026
Backs: Card type, Currency conversion fee
“Yes! You can use your Biscuit debit card globally, wherever Visa is accepted.”
- zopa.com/help/article/what-fees-do-you-charge checked September 26, 2026
Backs: Annual fee, Pricing model
“We charge two fees - a missed payment fee of £12 if you don't make your minimum monthly payment on time, and a cash withdrawal fee of £3 for each cash withdrawal from an ATM.”
- zopa.com/personal-current-account-terms checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“having its registered office at Zopa Bank, Level 12, 20 Water Street, Canary Wharf, London E14 5GX”
- zopa.com/zopa-account-fees-and-useful-information-300726 checked September 26, 2026
Backs: Monthly fee
“General account fee - Monthly fee for providing and servicing your Zopa account. Free”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.