Last updated: 9 June 2026
By Stiv · Design, technology and personal finance
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The Zopa Biscuit referral is live again and pays £20, and our referral page sets out the steps and the current terms.
Zopa's Biscuit bank account has made waves by letting you choose your own perk: 2.75% AER interest on your balance, 3% cashback on eating out, or 3% cashback on bills. 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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