Last updated: 9 June 2026
By Stiv · Design, technology and personal finance
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No referral bonus is running at the moment, but any current Zopa Biscuit offer is listed on our referral page, together with how to open the account.
Zopa's Biscuit bank account has made waves with its 2% interest, cashback on bills and a 7.10% AER Regular Saver. But before handing over your money, you probably want to know: is Zopa Biscuit safe? The short answer is yes. Zopa is a fully licensed UK bank, regulated by the FCA and PRA, and your deposits are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS). Below, we break down exactly what that means and what you should know before opening an account.
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