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Zopa Biscuit Account: How to Get an Instant Free £20 (No Spend Needed)
If you’re looking for a quick and easy freebie, Zopa are currently offering £20 completely free when you open their Biscuit current account through a Zopa referral link and the best part is that the £20 typically lands instantly as soon as your account is opened and you have completed the qualifying steps. (although note T&C’s say it could take up to 30 days).
All you need to do is open an account and make 1 single card transaction online or instore within 30 days.
It’s genuinely one of the fastest and simplest bank signup bonuses available right now.
What Is the Zopa Biscuit £20 Bonus?
Zopa is a fully licensed, FSCS-protected UK digital bank that offers current accounts, savings and loans.
Right now, they’re running a referral promotion:
Open a Biscuit account through a referral link → verify your ID → make 1 card transaction → get £20 cash.
Your referrer gets £20 too, and if you choose to soon after opening you may then get the opportunity to then refer up to 10 friends for £20 each once they activate the offer in your account.
How to Get Your Free £20 (Step-by-Step)
The process is very straightforward and only takes around two minutes:
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Click my Zopa referral link here
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Enter your phone number (the offer will track from this even if you change device).
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Download the app & open the Biscuit current account
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Verify your ID (passport or driving licence)
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Make one card transaction (must do within 30 days of opening)
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Your £20 cash will be credited to your account🎉
Once it’s in your account, you can withdraw it, transfer it or leave it there, totally up to you.
Click the Referral Link Here
Why This Offer Is Worth Grabbing
Beyond the instant free £20, the Biscuit account comes with a few genuinely attractive perks:
💡 Soft credit check only
Opening the account uses a soft search, so it won’t affect your credit score.
💡 7.1% Regular Saver
Zopa offers a highly competitive 7.1% Regular Saver where you can save up to £300 per month.
Perfect for anyone looking to earn a solid return on short-term savings.
💡 2% interest on your current account
If you choose to keep using the Biscuit account, it pays 2% interest on your balance.
💡 2% cashback on Direct Debits
Earn 2% cashback on Direct Debits, up to £30 per year.
💡 Boost savings rate to 4.45%
Pay in £500 a month to qualify for boost rate.
💡 Access Pots
Name and save in various savings pots.
Regarding the earn 2% cashback on Direct Debits, up to £30 per year, this can even be “hacked” in one go by setting up a single one-off Direct Debit with a savings app such as like Moneybox, great if you want to grab the full cashback without waiting months.
However, the easy way is just to set up a direct debit and earn it back over time.
Extra Earning Tip
Once you’ve got your £20, you may also share your own referral link.
Currently you can refer up to 10 friends, earning £20 each time they sign up and verify their ID.
That’s an easy extra £200 if you want to take advantage of it.
Final Thoughts
If you like quick wins, this one is absolutely worth doing. It’s a genuine instant £20, no spending required, and the account itself actually has decent ongoing perks.
Open the account, verify your ID, take your free twenty pounds and if you want to stick around for the 7.1% saver, 2% interest, or Direct Debit cashback, even better.
👉 Zopa Referral Link