Zopa Bank – Mobile Banking

"Looking for the best banking app? Meet Zopa — an award-winning online bank that makes everyday banking simple, smart and rewarding. Download our mobile banking app with savings, budgeting and borrowing tools all in one place, and join over 1.5 million happy customers already banking with Zopa.

AWARDED BEST PERSONAL CURRENT ACCOUNT BY MONEYNET 2026

Introducing Biscuit, our free bank account and a true cashback banking app that puts money back in your pocket every month. Awarded Best Personal Current Account by Moneynet 2026, the Biscuit bank account is free to open and takes as little as 4 minutes to set up. Everyday banking with Biscuit comes with perks including:

- Fee-free spending abroad - no hidden charges when you travel

- 2% cashback on bills, on up to £125 of Direct Debits a month

- Interest on your bank account balance - 2.00% AER variable

- Exclusive high-interest Regular Saver pot - 7.10% AER variable for 6 months, deposit up to £300/month

- FSCS protection up to £120,000

- Zopa's built-in AI answers your money questions and tells you what you've got left to spend.

Our banking app also connects to your non-Zopa bank accounts, credit cards and savings, 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 banking, Biscuit makes personal banking a little sweeter.

2% cashback on bills, on up to £125 of Direct Debits a month. 2.00% AER (1.98% gross) on bank account balance (variable). 7.10% AER (6.87% gross) variable for 6 months on Regular Saver pot, exclusive to bank account customers. Interest paid monthly. 18+ UK tax residents only. T&Cs apply. zopa.com/bank-account

SAVE WITH ZOPA

Searching for the best app for saving money? Zopa has been named Moneynet's Best Savings App two years running. Our mobile banking app with savings 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

Mix and match pot types to create a savings strategy that works for every goal, all under one roof.

BORROW WITH ZOPA

Keep tabs on your Zopa credit card, personal loan or car finance without switching apps. Check your balance, review your repayment schedule and make extra payments whenever you like — all in just a few taps. The British Bank Awards recognised our lending too, naming us 2024's Best Personal Loans Provider and 2025's Best Credit Card Provider.

BUDGET SMARTER WITH ZOPA

As a fully featured app for budgeting and saving, Zopa helps you track spending across all your accounts, set financial goals and stay in control — all in one intuitive banking app that puts your money at your fingertips.

WHY MILLIONS CHOOSE ZOPA

- The best banking app — 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 UK-based support team available by call or chat

Whether you're brand new to mobile banking or switching from another bank, opening a Zopa 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 money.

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."