Free £20 Cash – Biscuit Bank Referral Link (Zopa)
Open a Biscuit bank account and make at least one card transaction, both within 30 days of submitting your mobile number through the referral link, and we both get £20. New Zopa customers only; referral limits apply.
Reviewed 9 Oct 2026
Submit your UK mobile number through the referral link, download the app through it and open Biscuit using the same number. Open the account and make at least one debit-card or digital-wallet card transaction within 30 days of phone submission.
T&Cs apply · Referral link — we may receive a reward if you sign up.
https://referral-links.uk/r/biscuit-bankThe referral-links.uk link above stays the same. We update its destination if the partner changes their referral link.
Current partner referral link: https://www.zopa.com/mgma?referralCode=fea591d40a7bf1412151
At a glance
- Offer
- £20 Free Cash
- What you get
- Get £20 when you open a Biscuit current account through this referral offer and make at least one card transaction in-store or online using your debit card or digital wallet. Submit your UK mobile number first, download the Zopa app through the same link and open your account using that number. Complete both account opening and the card transaction within 30 days of phone submission. You must be entirely new to Zopa, and the referrer must still be within the 10-successful-referrals limit when you qualify. Zopa pays each of us £20 within 30 days of a successful referral.
- Both sides benefit?
- Both may receive a reward after the qualifying steps
- Link opens
- zopa.com
- Last reviewed
- Reviewed 9 Oct 2026 · how we check
About This Offer
Biscuit is Zopa Bank’s app-based UK current account, with no monthly fee. The referral invitation checked on 29 September 2026 offers £20 for each of us after a qualifying account opening and at least one card transaction.
This invitation requires account opening and at least one card transaction in-store or online using your debit card or digital wallet, both within 30 days of submitting your mobile number. Zopa’s terms delegate qualifying actions to the referral page and app, so follow the conditions displayed when you use the link rather than assuming every invitation is the same.
How to claim your £20 Biscuit referral bonus
- Open this referral link and submit the UK mobile number you will use for your Zopa account.
- Download the Zopa app through the same referral link. If you click more than one person’s link, Zopa credits only the last referrer whose link you clicked before downloading the app.
- Open a Biscuit current account using the same mobile number within 30 days of submitting it. Complete Zopa’s identity and eligibility checks; acceptance is not guaranteed.
- Make at least one card transaction in-store or online using your debit card or digital wallet. Complete both account opening and this transaction within 30 days of submitting your mobile number; the clock does not start at account opening.
- Keep your account open and unsuspended until payment. Zopa credits the reward within 30 days after the referral is successfully completed.
Who qualifies for the £20 reward?
- You must be a UK resident aged 18 or over who has never used the Zopa app or held any Zopa product. Existing or former savings, loan or credit-card customers do not qualify.
- Biscuit account eligibility also requires UK-only tax residency (excluding the Channel Islands and Isle of Man), no United States citizenship and passing the required legal and regulatory checks.
- The referrer must still be within the 10-successful-referrals limit when you complete the qualifying actions. A working link does not establish how many reward places remain.
- Each invitee can receive only one reward. Participants cannot also receive rewards through other Zopa referral promotions, including Smart Saver.
- At least one card transaction is required. No minimum transaction amount or full current-account-switch requirement is listed on this checked invitation. Follow the referral page and app for any further conditions when you join.
When will Zopa pay the £20?
Within 30 days of a successfully completed referral, into the Zopa account. If either person’s account is closed or suspended before payment, that person loses their entitlement. The reward is not guaranteed just because an account was opened: the referral steps and available referral capacity must also be satisfied.
Does this Biscuit referral offer have an end date?
No fixed campaign end date was displayed on the invitation checked on 29 September 2026. Open the account and make at least one card transaction within 30 days of submitting your mobile number; the clock does not restart when the account opens. Zopa can change, suspend or end the promotion, and the referral page and app specify the current qualifying actions.
Can I refer friends later?
Selected Zopa customers receive a unique link under Profile → Refer a Friend in the app. Access is not promised to every new customer. The current invitation caps rewards at 10 successful referrals, and the app’s referral page sets the applicable reward and limits.
What benefits does the Biscuit account offer?
The current landing page offers a choice of one benefit: 2.75% AER variable balance interest (including the standard 1%), 3% cashback on up to £150 of monthly spending at restaurants, takeaways and bakeries, or 3% cashback on up to £150 of Direct Debits each month. These are alternatives, not three benefits you receive together.
Standard perks include 1% AER variable balance interest, a free barista-made Caffè Nero drink each month and fee-free card spending abroad at Visa’s exchange rate. Rates, cashback eligibility and perks are subject to Zopa’s current terms.
Is Biscuit Bank safe?
Biscuit is provided by Zopa Bank, a UK-regulated bank. Eligible deposits across your Zopa current and savings accounts share FSCS protection up to £120,000 per eligible person, not a separate limit for each account.
Official terms and check scope
Read the Zopa Account Refer a Friend Promotion Terms. The exact current invitation and these terms were checked on 29 September 2026: £20 each, account opening and at least one debit-card or digital-wallet card transaction, both within 30 days of phone submission. The terms delegate qualifying actions to the referral page and app. No mobile number was submitted, account opened, card transaction made or reward redeemed; private remaining referral capacity was not verified.
Related guides
Compare accounts in our Best Digital Bank UK guide, or see how bill cashback fits into our UK cashback guide.
Latest invitation and terms check
Checked 4 October 2026: Exact public invitation, linked referral terms and current account benefits read. £20 each for a new eligible UK adult who has never used Zopa; account opening and an eligible card payment must both occur within 30 days of phone submission using the same phone number. Rewards are due within 30 days of qualification. Existing benefit choices agree with the current product page. No phone submitted, account opened, payment made, remaining referral capacity checked or reward redeemed. Primary offer source.
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