Last updated: 23 March 2026

This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.

Cool Factor: 4/5

This Biscuit bank account review takes an honest look at Zopa's free current account after months of real-world use. With 2% interest on balances, 2% cashback on bills and access to one of the UK's best regular savers at 7.10% AER, it promises a lot for a no-fee account. 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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