Last updated: 6 September 2026
By Stiv · Design, technology and personal finance
This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.
Cool Factor: 3/5
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This Biscuit bank account review takes a look at Zopa's free current account after months of real-world use. Zopa rebuilt it during 2026, so it now pays 1% AER (variable) as standard and lets you pick one benefit on top: 2.75% AER (variable) interest, 3% cashback on eating out, or 3% cashback on bills. There is a free Caffè Nero drink every month as well. But does it actually deliver? We break down what works, what falls short and whether it deserves a spot on your phone in 2026.
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