Zopa Bank – Mobile Banking

Zopa Bank Ltd

About this app

Looking for the best banking app in the UK? Meet Zopa — an award-winning online bank that makes everyday online banking simple and rewarding.

Download our mobile banking app with savings, budgeting and borrowing tools all in one place, and join over 1.5 million customers already banking with Zopa.

AWARDED BEST PERSONAL CURRENT ACCOUNT BY MONEYNET 2026

Introducing Biscuit, an award-winning free bank account that puts money back in your pocket every month. It takes just 4 minutes to set up from your phone.

Everyday banking with Biscuit comes with perks including:

- Fee-free card spending abroad – no hidden charges when you travel
- Interest on your bank account balance – 1% AER variable
- A free barista-made drink from Caffè Nero every month
- FSCS protection up to £120,000

Plus, you get to choose a benefit that suits you. Pick from:

• 2.75% AER (2.72% gross) variable interest on your balance
• 3% cashback on up to £150 of Direct Debits each month
• 3% cashback on up to £150 spent on eating out each month

Our banking app also connects to your non-Zopa bank accounts and credit cards giving you a complete financial picture in one place.

Whether you need an app for budgeting and saving or a smarter way to handle day-to-day online banking, Biscuit makes personal banking a little sweeter.

Interest and cashback is paid monthly. ATM withdrawal fees may apply abroad. 18+ UK tax residents only. T&Cs apply. zopa.com/bank-account

SAVE WITH ZOPA
Searching for the best app for growing your money? Zopa has been named Moneynet's Best Savings App two years running. Our mobile banking app with saving and investing tools is built to help you reach every financial goal, big or small:

- Easy access savings pots: flexible, with no lock-in period
- Fixed interest savings pots: secure a great rate and watch your money grow
- Flexible Cash ISA pots: save up to your annual allowance, completely tax-free
- Auto-save: let the app move money into your pots automatically, without lifting a finger

BORROW WITH ZOPA
Keep tabs on your Zopa credit card, personal loan or car finance in one app. Check your balance, manage repayments and make extra payments in just a few taps. Recognised by the British Bank Awards as 2024’s Best Personal Loans Provider and 2025’s Best Credit Card Provider.

BUDGET SMARTER WITH ZOPA
With the UK’s most advanced banking AI, Zopa is a smarter way to manage your money and bank account.

Coming soon: Use the Ask tab to move money, make payments, , set financial goals and get spending insights in seconds. Just say what you need in your own words, like “What’s my most expensive habit?” or “Set a £50 monthly Deliveroo budget”, and Zopa’s AI will get it done.

WHY MILLIONS CHOOSE ZOPA
- The best banking app for online banking: award-winning across current accounts, savings and lending
- Free Biscuit bank account: cashback on bills, interest on your balance and fee-free spending abroad
- Flexible savings pots for every goal: easy access, fixed rate and Cash ISA
- FSCS protection up to £120,000
- Friendly support team available by call or chat

Whether you're brand new to mobile banking or switching from another bank, opening a Biscuit bank account takes just minutes. Join over 1.5 million customers who've found a smarter way to bank, save and borrow — all in one place.

Download the Zopa app today — the best banking app for people who want more from their online banking.

18+ UK residents only. Banking services provided by Zopa Bank Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FSCS protected. T&Cs apply.