Zopa Biscuit invite: £20 for opening a Biscuit bank account
Open a Biscuit bank account through GetQuids' Zopa invite link and you get £20, provided you've never used the Zopa app or held a Zopa product. Enter your mobile number on the invite page first and finish within 30 days; the live invite terms control.
Read our full assessment →Quick answer
Use code 3cad154bcbb9e5daf848 for the Zopa Biscuit offer. New eligible customers can get £20 after meeting the requirement: None on this invite: open a Biscuit account through the link within 30 days of entering your mobile number. Last verified 2026-10-12.
- Reward
- £20
- Referral code
3cad154bcbb9e5daf848- Last verified
- 2026-10-12
- Difficulty
- Easy
- Time to claim
- 5-10 minutes; opening can take up to 2 working days
- Time to payout
- Within 30 days of qualifying
3cad154bcbb9e5daf848Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Open the invite link above and enter the mobile number you'll open the account with; your 30 days start when you submit it.
- Download the Zopa app through the same link and apply for a Biscuit account using that same mobile number.
- Verify your identity with photo ID, a selfie and proof of address.
- Within 30 days of submitting your number, complete what the invite page shows: for this invite, opening a Biscuit account. Take a screenshot of the invite page.
- Zopa pays the £20 into your Zopa account within 30 days of qualifying; turn on app notifications to follow it.
Eligibility & requirements
- You must never have used the Zopa app or held any Zopa product, including loans, cards and savings.
- 18 or over, living in the UK, tax resident only in the UK (the Channel Islands and the Isle of Man don't count) and not a US citizen.
- Enter your mobile number on the invite page and use the same number when you apply; finish within 30 days of submitting it.
- One reward per person, and it can't be combined with other Zopa refer-a-friend offers such as Smart Saver's.
- No reward if either Zopa account involved is closed or suspended before the £20 is paid.
- Zopa can withhold the reward for suspicious behaviour, replace it, or change or end the scheme at any time; no end date is published. If the invite page shows different conditions, the live invite terms control.
Verification notes
- Minimum spend/deposit
- None on this invite: open a Biscuit account through the link within 30 days of entering your mobile number
- Last verified
- 12 October 2026
- Automated source check
- 15 September 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- £20 for opening a Biscuit account through this invite, with no deposit asked for.
- 1% AER variable on the whole balance, or 2.75% AER with the interest boost; or choose 3% cashback on up to £150 a month instead.
- No monthly fee, and FSCS protection up to £120,000 across your Zopa deposits.
Watch out for
- Not for anyone who has ever used the Zopa app or held a Zopa product.
- No CASS switch into Biscuit yet: Direct Debits, standing orders and salary move by hand.
- The mobile number must match: apply with the same number you entered on the invite page.
- No cash, cheque or CHAPS payments in, no joint account and no arranged overdraft.
FAQ
- How do I get the Zopa Biscuit £20?
- Open the invite link, enter your mobile number, download the Zopa app through the link and apply for a Biscuit account with the same number, all within 30 days of submitting the number. This invite pays £20 for opening a Biscuit account; the live invite terms control. The £20 arrives within 30 days of qualifying.
- Do I need to deposit money?
- Not on this invite: opening a Biscuit account through the link is what it asks for. Zopa's terms allow other invite versions, so check the invite page when you open the link and take a screenshot.
- Can I get the £20 if I already have a Zopa loan, card or savings account?
- No. The referral terms require that you have never used the Zopa app or held any Zopa product.
- Can I switch my old account to Biscuit with CASS?
- Not yet. CASS currently only works for leaving Zopa, and Zopa says switching in is coming later in 2026. For now you move Direct Debits, standing orders and your salary yourself.
Related offers
Provider
Monzo
Monzo's referral terms give a new UK customer 30 days from entering their mobile number on the invite page to open an account, add money and make one card payment. Your reward is random: £10 for 94 people in 100, £20 or £50 for the rest, and only £5 in some cases. Open it for the account, not the bonus.
Requirement: Add money (any amount) and make one eligible Monzo card payment within 30 days
Easy10 minutesPayout No timeframe in the terms: Monzo shows the reward in the app once the referral is complete
Verified 11 October 2026
Provider
Chase UK
Chase pays you £50 when you activate a single-use referral code in the app and pay in £1,000 in total within 30 days of opening your first account. Chase only lets customers send codes to people they know, so request a private invite from this page rather than relying on a public code. Move the £50 out of Rewards before you ever leave Chase.
Requirement: Activate a personal single-use code and pay in £1,000 in total within 30 days of opening your first Chase account
MediumApproval and invitation availability varyPayout Added to your rewards balance straight away once you reach £1,000 (Chase emails you); redeem it before leaving Chase
Verified 11 October 2026
Provider
Monese
Monese's invite page pays £5 for activating the physical card and making one card payment, and £5 more after £500 of spending, within a year of opening. After a £0.99 transfer in, that's about £9 net, or about £4 if you're charged £4.95 for card delivery. Worth it only if you need a stopgap account anyway.
Requirement: Stage 1: activate the physical card and make one card payment; stage 2: £500 of card spending or qualifying transfers, within 1 year
EasyApplication, card delivery and qualifying activity varyPayout Each £5 once the qualifying transaction settles (up to 72 hours); both stages within 1 year of opening
Verified 12 October 2026
Related comparisons
Chase UK vs Zopa Biscuit Referral Offers
Chase UK vs Zopa Biscuit compared by reward, what you must do, app-bank setup and payout timing.
Read comparison →
Monzo vs Zopa Biscuit Referral Offers
Monzo vs Zopa Biscuit compared by app setup, referral requirement, reward certainty and deposit friction.
Read comparison →
Added 17 June 2026 · Last updated 12 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.