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Zopa Biscuit Account: How to Get an Instant Free £10 (No Spend Needed)
If you’re looking for a quick and easy freebie, Zopa are currently offering £10 completely free when you open their Biscuit current account through a referral link and the best part is that the £10 lands instantly as soon as your account is opened (although note T&C’s say it could take up to 30 days).
No spending required, no hoops to jump through, and you can withdraw it straight away.
It’s genuinely one of the fastest and simplest bank signup bonuses available right now.
What Is the Zopa Biscuit £10 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 → get £10 instantly.
Your referrer gets £10 too, and if you choose to. Soon after opening you may then get the opportunity to then refer up to 10 friends for £10 each once they activate the offer in your account.
How to Get Your Free £10 (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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Your £10 bonus appears instantly 🎉
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 £10, 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.
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.
Extra Earning Tip
Once you’ve got your £10, you may also ive your own referral link.
Currently you can refer up to 10 friends, earning £10 each time they sign up and verify their ID.
That’s an easy extra £100 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 £10, no spending required, and the account itself actually has decent ongoing perks.
Open the account, verify your ID, take your free tenner and if you want to stick around for the 7.1% saver, 2% interest, or Direct Debit cashback, even better.
👉 Zopa Referral Link