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Heads up: we only have 10 referrals remaining...
We expect them to go pretty fast, so if you're interested, we recommend signing up now. We will keep this banner updated as people use up the spots. Currently there's 10 spots remaining.
We expect them to go pretty fast, so if you're interested, we recommend signing up now. We will keep this banner updated as people use up the spots. Currently there's 10 spots remaining.
Zopa are handing new customers £20, and it's super easy. No switch, no deposit, and no minimum spend. You just open a Biscuit current account and make 7 card payments.
Your Biscuit card is digital, which means it's ready to use the second your account is approved. You can knock out all 7 transactions in a couple of minutes using our 30 Pence One-off Card Payment service.
7 transactions would cost £2.10 in total, leaving you just under £17.90 in profit.
If you'd rather just use the card for your normal spending, that works too. A coffee here, a meal deal there, a few groceries.
Zopa: Free £20 For New Members + Free Caffe Nero Every Month
New customers who sign up to Zopa with our special link get a free £20 when they make 7 card payments. It only takes a few minutes to complete the eligibility criteria, and the £20 is paid within 7 days.
You'll also get a FREE Caffe Nero hot drink every month as an account holder, and the account has no monthly fees.
Here's how to get your £20 from Zopa:
1) Tap our link below and enter your mobile number. Use the same number you'll open the account with.
2) Download the Zopa app and open a Biscuit current account. The ID check needs a passport or driving licence, and it's a soft credit check so it won't touch your credit score.
3) Your digital card is ready as soon as you're approved. Make 7 debit card payments of any size. You can use our Cheap Card Payment service if you like.
4) Zopa pays £20 into your account within 30 days of you qualifying.
Zopa track your referral through the link, so tap our button and enter your number before you open the account or download the app.
How To Hit The 7 Payments Fast
Your Biscuit card is a digital card, so there's no waiting for plastic in the post. As soon as your account is open, the card details are in the app and ready to spend.
That's where our 30p cheap card payments service comes in. It lets you make a one-off card payment from home, and you can repeat it as many times as you need.
For this offer you'd do it 7 times at 30p each to earn £20.
7 payments at 30p is £2.10 in total. Take that off your £20 bonus and you're left with £17.90 of clear profit for about five minutes of tapping. Not bad.
You can use our cheap card payments service for this. It works for any offer that needs card transactions, not just this one.
What Is Zopa Biscuit, Anyway?
Zopa are a proper UK bank, not a flimsy fintech. They've been around for over 20 years, more than 1.5 million people use them, and your money is protected by the FSCS up to £120,000.
Biscuit is their current account, and it's actually a really good account. No monthly fee and no minimum income. You also pick a perk: extra interest on your balance, cashback on eating out, or cashback on your bills.
You get a free barista-made drink from Caffè Nero every month, and fee-free spending abroad. So the £20 bonus is really just a nice cherry on top of an account you might actually want to keep.
Key Details You Need To Know
You must be a new Zopa customer. If you've had any Zopa product before, the offer won't apply.
You need to be 18 or over and a UK resident. Zopa only accept UK tax residents, so no Channel Islands or Isle of Man, and no US citizens.
Make your 7 debit card payments within 30 days of entering your number through the link. Any amount counts, so 30p each is fine.
The £20 is paid within 30 days of you meeting the criteria. It lands as cash in your Biscuit account.
Only the most recent invite link you click counts. If you click someone else's link after ours, the reward goes to them instead. (Please use ours!)
If you close the account before the £20 is paid, you lose it. Wait for the money to land first.
The offer can't be combined with other Zopa promotions.
There's no confirmed end date, so it could disappear without much warning. Don't sit on it.
Frequently Asked Questions
Do I need to switch my bank to get the £20?
No. This is a new customer offer, not a switch offer. You just open a Biscuit account and make 7 card payments. There's no need to move your existing account, your direct debits, or your salary.
Is there a minimum spend on the card payments?
No. Any amount counts. That's why 7 payments of 30p each works, which is the whole point of our card payments service.
Do I need to pay in any money to open the account?
No deposit is required to open a Biscuit account or to get the bonus. You just need to make the 7 card payments.
How long until the £20 arrives?
Zopa pay the bonus within 30 days of you meeting the criteria. In practice it's often quicker, but budget for up to 30 days.
What counts as a debit card payment?
Any transaction on your Biscuit debit card, online or in store. A coffee, a meal deal, an online order, or one of our 30p card payments all count.
Do I have to use the 30 Pence card payments service?
No. If you'd rather use the card for your normal spending, go for it. The service just makes it faster to hit all 7 payments in one sitting.
Is Zopa safe?
Yes. Zopa is a fully licensed UK bank, regulated by the FCA, and eligible deposits are protected by the FSCS up to £120,000.
I've had a Zopa loan or credit card before. Can I still get the £20?
No. The offer is for new Zopa customers only. If you've had any Zopa product in the past, you won't qualify.
Ready to grab your £20? It takes about ten minutes to apply and the whole thing happens in the app. Tap the button, enter your number, and make your 7 payments.
Full disclosure: if you open your Biscuit account through our link, we also get a reward from Zopa. It doesn't change what you receive, and it's what keeps 30 Pence running. Thank you.
Last updated: 15 September 2026. Bank offers change fast, so always check Zopa's own terms before applying.
