zopa bank Archives - COOLCURATION

November 26, 2025 — Comments are off for this post.

Is Zopa Biscuit Safe? UK Safety and FSCS Guide 2026

Last updated: 9 June 2026

By Stiv · Design, technology and personal finance

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.

Happy with the safety answer already?

The Zopa Biscuit referral is live again and pays £20, and our referral page sets out the steps and the current terms.

Check the Zopa Biscuit page

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.

Biscuit Bank Account Review 2026: Is It Worth It?

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

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.

Thinking of opening Biscuit?

The refer-a-friend bonus is live again at £20, and our Zopa Biscuit referral page carries the steps and the current terms.

Open a Zopa Biscuit account

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.

Monzo vs Biscuit Bank Account: Which Is Best in 2026?

Last updated: 22 August 2026

By Stiv · Design, technology and personal finance

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.

Leaning towards Monzo?

New customers who join through a referral link can land a random reward from £5, up to £50 (sometimes up to £100), and we keep the live offer details on our Monzo referral page.

See the Monzo referral offer

If you are weighing up Monzo vs Biscuit for your everyday banking in 2026, the answer depends on what you actually want from your bank account. One pays interest and cashback on a free account. The other gives you some of the best budgeting tools in UK fintech. Both are app-only, both are FSCS-protected, and both let you spend abroad without fees.

In this comparison, we break down how Monzo and Zopa's Biscuit bank account stack up across savings rates, cashback, features, travel perks, and sign-up offers, so you can decide which one deserves your direct debits.

Comparing Monzo with more than Biscuit? I have also put it against Starling and Chase, and my Monzo guides hub collects every Monzo guide in one place.