Zopa Biscuit Debit Card Review 2026

How you earn

2% cashback on up to £125 of Direct Debits a month, 2% AER on the balance, and a 7.1% regular saver.

• 2% cashback on up to £125 of Direct Debits each month (max £2.50, or £30 a year), plus 2% AER variable interest on the Biscuit balance with no cap, and a linked 7.1% AER regular saver on up to £300 a month for 6 months.
• 2% on eligible Direct Debits.
• Cashback only on Direct Debits, not everyday card spend, and only on the first £125 of those Direct Debits each month. The 2% interest is variable. Regular saver is 6 months, £300/month max.
• 2% cashback on bills (capped £2.50/month), 2% AER on the balance, 7.1% regular saver, and fee-free card spending abroad.
• No minimum pay-in and no monthly fee — cashback needs bills on Direct Debit.
• Cashback is bills-only and small (£30/year max). Some reviews still quote a 4% new-customer promo — check the live Zopa page before repeating that figure. App-only.

Using it abroad

No Zopa fee on debit card payments abroad — Visa exchange rate with no added markup. Fee-free cash withdrawals abroad up to £200 in any rolling 30 days, then 2% on the amount above that. ATM operators may still charge.

Who can apply

UK residents 18+ who are tax-resident only in the UK (excludes Channel Islands and Isle of Man). Not open to US citizens. No minimum income. App-only.

What else you get

2% AER (1.98% gross) variable on the current-account balance, paid monthly.

• Linked Regular Saver at 7.1% AER (6.87% gross) variable on up to £300/month for 6 months, renewable.
• FSCS protection up to £120,000.
• Instant virtual card in the app.