Monzo vs Zopa Biscuit Referral Offers
These are smaller app-bank rewards rather than high-value switch bonuses. Monzo is usually the simpler day-to-day app-bank sign-up; Zopa Biscuit pays £20 for opening the account through our link, with no deposit requirement.
Quick verdict
Pick Monzo if you want the simpler account-opening path and are happy with a variable reward. Pick Zopa Biscuit if a fixed £20 for opening the account suits you.
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
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
Monzo
Monzo Review UK: Is the Free Account Worth It, and Do the £3 to £19 Plans Pay?
The free account is worth having: no monthly fee, no Monzo fee on card payments abroad, and Pots that make it easy to keep bills and savings apart. The referral is a small extra rather than a reason to open: £10 for 94 people in 100, £10.90 on average. The paid plans are a harder sell. Perks costs £108 a year and its 0.50% savings boost only covers that on about £21,600 in Instant Access, so it pays only if you would use the partner perks anyway. Two things to accept going in: the current-account balance earns no interest, and support is mainly in-app chat, which is the most common complaint.
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 | Monzo | Zopa Biscuit |
|---|---|---|
| Reward | £10, £20 or £50 | £20 |
| Quick answer | Use the referral link for the Monzo offer. New eligible customers can get £10, £20 or £50 after meeting the requirement: Add money (any amount) and make one eligible Monzo card payment within 30 days. 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 | Low-friction app-bank onboarding | Specific £20 app-bank referral |
| Bonus trigger | Sign up through the referral link and complete Monzo's current action | Open a Biscuit account through our link within 30 days of entering your number |
| Main risk | Reward can vary by Monzo campaign | Deadline and referral-route terms matter |
FAQ
- Is Monzo or Zopa Biscuit easier?
- Monzo is usually easier if the current qualifying action is simple. Zopa Biscuit only asks you to open the account through our link before the deadline, but you must be new to Zopa.
- Are these bank switch offers?
- No. They are app-bank referral offers and should sit alongside, not replace, full bank-switch bonus planning.