Chase UK vs Zopa Biscuit Referral Offers
Both are no-switch app-bank referral offers. Chase pays more but needs a £1,000 pay-in; Zopa Biscuit pays £20 for opening the account through our link, with no deposit requirement.
Quick verdict
Choose Chase if the £1,000 pay-in is easy and you want the bigger fixed reward. Choose Zopa Biscuit if you want a reward for simply opening the account and accept the lower £20.
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
Zopa Biscuit
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.
Requirement: None on this invite: open a Biscuit account through the link within 30 days of entering your mobile number
Easy5-10 minutes; opening can take up to 2 working daysPayout Within 30 days of qualifying
Verified 12 October 2026
Related reviews
Chase UK
Chase UK Review: Worth Opening for the £50 Referral and 2% Cashback?
Chase makes a strong second account and a weaker main one. The referral is simple: £50 for paying in £1,000 from another bank within 30 days, and the money doesn't have to stay once the £50 arrives. Leave that £1,000 in the boosted Saver, though, and it earns about £45 of interest in a year while meeting the savings half of the cashback rules, which takes our illustration to about £155 in year one. The catches are real: no overdraft, joint accounts, cash deposits or international payments, a cashback rule you can fail with one bad day, and frozen accounts come up again and again in user reviews.
Zopa Biscuit
Zopa Biscuit Review: Is the 2.75% Boost or the 3% Cashback Worth More?
A good free second account, not yet a bank to move everything to. Everyone gets 1% on the whole balance and a free Caffè Nero drink a month; then pick the 2.75% boost if you'd keep more than about £3,100 there on average, or 3% cashback (up to £54 a year) if you'd keep less and fill the £150 a month. On £5,000 the boost is worth about £137.50 a year against £104 from 1% interest plus full cashback. Opening it through our invite link adds a one-off £20, if you've never had a Zopa product. Against it: the Regular Saver has closed, you can't switch in with CASS yet, there are no cash deposits or overdraft, and recent app reviews complain about the August redesign and frozen accounts.
Side-by-side
| Factor | Chase UK | Zopa Biscuit |
|---|---|---|
| Reward | £50 | £20 |
| Quick answer | Check you can join Chase (18 or over, living in the UK and UK tax resident, with a smartphone and a UK mobile number) and didn't apply to Chase before 3 December 2025. for the Chase UK offer. New eligible customers can get £50 after meeting the requirement: Activate a personal single-use code and pay in £1,000 in total within 30 days of opening your first Chase account. Last verified 2026-10-11. | 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. |
| Best for | Higher fixed app-bank reward | No-deposit app-bank referral |
| Bonus trigger | Activate code and pay in £1,000 within 30 days | Open a Biscuit account through our link within 30 days of entering your number |
| Main risk | Missing the code activation or pay-in deadline | Must be new to Zopa; the live invite terms control |
FAQ
- Is Chase or Zopa Biscuit better?
- Chase is better for reward size if the £1,000 pay-in is comfortable. Zopa Biscuit asks for no deposit but pays less.
- Do either require a full current account switch?
- No. These are referral sign-up offers, not full CASS switching bonuses.