Welcome to Zopa
Better banking all round
Effortless products. Great value. Unlock it all in our award-winning app, including Biscuit, a bank account for people who like generous banking.
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Biscuit by Zopa
Tuck into the free current account with cashback and interest.
Download the appExplore our current accountWelcome to award-winning banking
We build banking people love – but being recognised is a nice little extra.
Better banking, all from our app
We’ve built an app to help make managing your money stress-free.
See your credit score and what you could borrow with Borrowing Power.
Instant access to your bank account, loans, credit card or savings.
Apply for a Zopa loan in minutes with no fees or paperwork.
Speak to a real person on live chat or phone, Monday to Saturday.
The best of Zopa banking – now on Apple Pay
You can now add both your Zopa credit card and Biscuit debit card to Apple Pay. It's quick, convenient and easy.
Get set up in seconds – right from your iPhone.
Explore Apple Pay
Your money’s protected
Zopa's covered by the Financial Services Compensation Scheme (FSCS).
To learn more, visit fscs.org.uk.
Trusted by over 1.5 million Zopa customers
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We've been lending since 2005 and already offer award-winning credit cards, personal loans and savings accounts.
What we’ve been up to
Intel, updates, company news and beyond, the Zopa blog has the latest.
Do current accounts pay interest? Everything you need to know
Most standard current accounts pay zero interest. But some – particularly from digital banks and challenger providers – do pay a return on your everyday balance, offering rates between 2-5%. Whether it’s worth switching depends on how much you usually keep in your account, whether any fees eat into your returns, and what else the account offers beyond the rate itself.
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Free current accounts: What to look for beyond ‘no fee’
Most current accounts in the UK don’t charge a monthly fee. So when a bank says their account is ‘free’, they’re really just describing the norm. A more useful thing to find out is: what separates a good free account from the rest, and what should you actually be comparing?
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