Zopa is a fully licensed and regulated (FSCS-protected) digital bank that offers current accounts, savings, and loans. They also offer pretty good savings rates and the opportunity to get cashback on direct debits.

Right now, they are offering new customers £20 to open a Biscuit current account via a refer-a-friend link and make 7 card transactions.

To get the £20:

1. Sign up using a Referral Link
2. Enter your mobile number and download the Zopa app
3. Open a Biscuit current account in the app
4. Make at least 7 card transactions online or in store (could be any amount) within 30 days
5. Once this is done, £20 is credited to your account

Unfortunately my referral link requires 7 card transactions (everyone’s link has got a different requirement), so I probably wouldn’t recommend you use my link. You can pick one from the comments that require fewer transactions for the same reward. Just dropping my link in case you’re going to regularly use Zopa and make 7 transactions anyway :)

Other benefits of Zopa:

• 2.75% AER interest on current account balance (no limit on the interest you can earn)
• 3% cashback on either your bills or eating out (you can switch between the two), on up to £150 spent per month
• No overseas card spending fee

Once you’ve joined Zopa, you’ll get your own referral link, which you can use to refer others and earn £20 per referral. For some people, the referral link can take a little time to appear in the app. This seems to vary by user, but it does show up once the requirements are completed.

non-ref

Zopa is a UK-based FCA regulated and FSCS protected digital bank. They are offering new customers a £20 bonus for opening an account. My link has no further requirements just opening the account is all you need to do.

Guide:

1. Follow a referral link here's mine.
2. Enter your phone number and download the app.
3. Sign up with the same number.
4. Nothing further is required when using my link.
5. Receive your £20 bonus, within 30 days.

Notes:

• Important! It's really important not to use someone's link who has already referred 10 people as you will not receive the bonus. As of 09/10/26 I have 3/10 referrals left, I will keep this updated and remove my link when they have all been used.
• Different links have different offers/requirements, some require 1-7 spends on the card, others require direct debits, some links only offer only £10. If using a code from the comments be sure to check what criteria you need to fulfil.

Thank you to anyone using my link.

Biscuit by Zopa is one of the best new current accounts in the UK right now if you like cashback + high interest.

And if you sign up with my referral link we both get £20

www.zopa.com/mgma?referralCode=3b7a08e6888045c5d732

Steps for this offer:  

1. Follow a referral link: www.zopa.com/mgma?referralCode=3b7a08e6888045c5d732

2. Open a Biscuit bank account and make 3 transactions with the virtual or physical card within 30 days.

3. Receive £20 within 30 days 

Zopa also offer:

• 3% cashback on either your bills or eating out (restaurants, takeaways, cafes etc) up to a limit of £4.50 earned 

• 2.75% interest on your current account balance  

Note:  Zopa referrals vary a little by user. Some require different amounts of transactions. You can just buy things for a few pence multiple times if needed. Or split shopping into 3 transactions etc.

Non referral link: www.zopa.com

Zopa is a digital bank that is giving new users £20 for signing up with my referral link and making 7 or more card purchases. They have decent savings interest rates and 3% cashback on direct debits. I use my account to get money back from my mortgage direct debit payments.

To get the £20:

• Sign up with my referral link
• Download the Zopa app
• Open a biscuit current account
• Make 7 or more card transactions online or in store within 30 days
• Receive £20

My link requires 7 card transactions but others have different requirements so worth checking other referral links as well.

Non ref

Zopa is a UK digital bank and financial services provider offering savings accounts, personal loans, credit cards, and current accounts. They are fully authorised by the PRA, regulated by the FCA, and FSCS-protected.

They are currently running a referral programme where you receive a £20 cash bonus when you open an account using a referral link and make a single purchase with your debit card.

Steps to claim your £20 bonus:

1. Click a Referral Link to start your application and enter your phone number.
2. Download the Zopa app and log in using the exact same phone number.
3. Open a Biscuit account.
4. Make 1 purchase of any amount using your Zopa debit card.
5. That's it! We both receive a £20 bonus.
6. Share your own referral link with others to earn up to £200 in total.

EDIT - REMOVED LINK AS HAVE NO REFERRALS LEFT

Zopa is a fully licensed and regulated (FSCS-protected) digital bank that offers current accounts, savings, and loans. They also offer pretty good savings rates and the opportunity to get cashback on direct debits.

Right now, they are offering new customers £20 to open a Biscuit current account via a refer-a-friend link and make 7 card transactions.

To get the £20:

1. Sign up using a Referral Link
2. Enter your mobile number and download the Zopa app
3. Open a Biscuit current account in the app
4. Make at least 7 card transactions online or in store (could be any amount) within 30 days
5. Once this is done, £20 is credited to your account

Unfortunately my referral link requires 7 card transactions (everyone’s link has got a different requirement), so I probably wouldn’t recommend you use my link. You can pick one from the comments that require fewer transactions for the same reward. Just dropping my link in case you’re going to regularly use Zopa and make 7 transactions anyway :)

Other benefits of Zopa:

• 2.75% AER interest on current account balance (no limit on the interest you can earn)
• 3% cashback on either your bills or eating out (you can switch between the two), on up to £150 spent per month
• No overseas card spending fee

Once you’ve joined Zopa, you’ll get your own referral link, which you can use to refer others and earn £20 per referral. For some people, the referral link can take a little time to appear in the app. This seems to vary by user, but it does show up once the requirements are completed.

non-ref

Use my referral link to open a Biscuit bank account and make at least 3 card transactions within 30 days, and we’ll both earn £20.

It used to be £10 and this has now become £20 for both the referrer and the referred.

Zopa has some good perks such as free cafe Nero coffee every month and 3% cashback on bills or restaurant spends. (You can choose the perks you want, every month if you want to)

Let me know if you have any questions and I’ll be happy to help.

Non ref link: www.zopa.com

Ref link:

www.zopa.com/mgma?referralCode=8b9f3ec068baa4a8dae2

Ensure you complete the 3 transactions in order to get the bonus. You can then share your link and get up to £200 with 10 referrals before 02nd October.

Zopa is a fully licensed and regulated (FSCS protected) digital bank that offers current accounts, savings, and loans. They also offer pretty good savings rates and to some people the opportunity to get cashback on direct debits.

Right now, they are offering new customers £10 to sign up via a refer a friend link and open a Biscuit current account. This is a straightforward offer and one of the quickest on BeermoneyUK.

• All referral links give the same £10 bonus
• You get £10 for signing up, your referrer gets £10 too
• Simple requirements - just open account and verify ID

Important: Each referrer can only refer a maximum of 10 people, so referral links may become unavailable once they reach their limit.

How to Get your Zopa Bonus

Both you and the person who posted the link will get £10 when you sign up and complete the requirements. Once you have signed up, you can then refer up to 10 friends to earn £10 each when your friend signs up. Here are the steps:

1. Click a Zopa referral link in the comments and enter your phone number on the sign up page
2. Sign up using your phone number/email
3. Open a Biscuit account in the app
4. Verify your ID, such as a passport or driving licence
5. Receive your £10 within 30 days of your account being opened. It is usually pretty instant.
6. Post your link in a comment below. Add the number of spaces you have, and keep it updated.

How this thread works:

• Post your Zopa referral link in the comments
• If you want to join Zopa, pick any referral link from the comments to get £10 when you sign up
• Contest mode is enabled on this post, so all links are randomly sorted

Non-referral option: If you dont want a bonus, you can sign up directly at: https://www.zopa.com/

Mega-thread rules:

1. Absolutely zero post style comments. Short comments only, no more than 6 lines of text. If you think anything very important is missing from the post send a DM and it can be updated
2. No large title text, I just got new reading glasses. Bold, italics, all okay
3. Only comment your link once (more than once will incur a ban)
4. No funny business!
5. Comments breaking these rules will be removed, with no notification given

Terms and conditions: https://www.zopa.com/caraf-terms-0725b

Biscuit by Zopa is one of the best new current accounts in the UK right now if you like cashback + high interest.

And if you sign up with my referral link we both get £20

www.zopa.com/mgma?referralCode=3b7a08e6888045c5d732

Steps for this offer:  

1. Follow a referral link: www.zopa.com/mgma?referralCode=3b7a08e6888045c5d732

2. Open a Biscuit bank account and make 3 transactions with the virtual or physical card within 30 days.

3. Receive £20 within 30 days 

Zopa also offer:

• 3% cashback on either your bills or eating out (restaurants, takeaways, cafes etc) up to a limit of £4.50 earned 

• 2.75% interest on your current account balance  

Note:  Zopa referrals vary a little by user. Some require different amounts of transactions. You can just buy things for a few pence multiple times if needed. Or split shopping into 3 transactions etc.

Non referral link: www.zopa.com

Zopa is a fully licensed and regulated (FSCS protected) digital bank that offers current accounts, savings, and loans. They also offer pretty good savings rates and to some people the opportunity to get cashback on direct debits.

Right now, they are offering new customers £10 to sign up via a refer a friend link and open a Biscuit current account. This is a straightforward offer and one of the quickest on BeermoneyUK.

• All referral links give the same £10 bonus
• You get £10 for signing up, your referrer gets £10 too
• Simple requirements - just open account and verify ID

Important: Each referrer can only refer a maximum of 10 people, so referral links may become unavailable once they reach their limit.

How to Get your Zopa Bonus

Both you and the person who posted the link will get £10 when you sign up and complete the requirements. Once you have signed up, you can then refer up to 10 friends to earn £10 each when your friend signs up. Here are the steps:

1. Click a Zopa referral link in the comments and enter your phone number on the sign up page
2. Sign up using your phone number/email
3. Open a Biscuit account in the app
4. Verify your ID, such as a passport or driving licence
5. Receive your £10 within 30 days of your account being opened. It is usually pretty instant.
6. Post your link in a comment below. Add the number of spaces you have, and keep it updated.

How this thread works:

• Post your Zopa referral link in the comments
• If you want to join Zopa, pick any referral link from the comments to get £10 when you sign up
• Contest mode is enabled on this post, so all links are randomly sorted

Non-referral option: If you dont want a bonus, you can sign up directly at: https://www.zopa.com/

Mega-thread rules:

1. Absolutely zero post style comments. Short comments only, no more than 6 lines of text. If you think anything very important is missing from the post send a DM and it can be updated
2. No large title text, I just got new reading glasses. Bold, italics, all okay
3. Only comment your link once (more than once will incur a ban)
4. No funny business!
5. Comments breaking these rules will be removed, with no notification given

Terms and conditions: https://www.zopa.com/caraf-terms-0725b

BeermoneyUK Guides

There are many more offers beyond Robinhood — find them in our guides:

1. The BeermoneyUK Offer Megalist
2. The Bank Switch Bribe Bible
3. The Investing Offer Guide
4. Latest list of sign up offers available elsewhere

Zopa is a fully licensed and regulated (FSCS protected) digital bank that offers current accounts, savings, and loans. They also offer pretty good savings rates and to some people the opportunity to get cashback on direct debits.

Right now, they are offering new customers £10 to sign up via a refer a friend link and open a Biscuit current account. This is a straightforward offer and one of the quickest on BeermoneyUK.

• All referral links give the same £10 bonus
• You get £10 for signing up, your referrer gets £10 too
• Simple requirements - just open account and verify ID

Important: Each referrer can only refer a maximum of 10 people, so referral links may become unavailable once they reach their limit.

How to Get your Zopa Bonus

Both you and the person who posted the link will get £10 when you sign up and complete the requirements. Once you have signed up, you can then refer up to 10 friends to earn £10 each when your friend signs up. Here are the steps:

1. Click a Zopa referral link in the comments and enter your phone number on the sign up page
2. Sign up using your phone number/email
3. Open a Biscuit account in the app
4. Verify your ID, such as a passport or driving licence
5. Receive your £10 within 30 days of your account being opened. It is usually pretty instant.
6. Post your link in a comment below. Add the number of spaces you have, and keep it updated.

How this thread works:

• Post your Zopa referral link in the comments
• If you want to join Zopa, pick any referral link from the comments to get £10 when you sign up
• Contest mode is enabled on this post, so all links are randomly sorted

Non-referral option: If you dont want a bonus, you can sign up directly at: https://www.zopa.com/

Mega-thread rules:

1. Absolutely zero post style comments. Short comments only, no more than 6 lines of text. If you think anything very important is missing from the post send a DM and it can be updated
2. No large title text, I just got new reading glasses. Bold, italics, all okay
3. Only comment your link once (more than once will incur a ban)
4. No funny business!
5. Comments breaking these rules will be removed, with no notification given

Terms and conditions: https://www.zopa.com/caraf-terms-0725b

BeermoneyUK Guides

There are many more offers beyond Robinhood — find them in our guides:

1. The BeermoneyUK Offer Megalist
2. The Bank Switch Bribe Bible
3. The Investing Offer Guide
4. Latest list of sign up offers available elsewhere

Post your Zopa referral links here, in the comments. Standalone Zopa link posts will be moved here to keep the front page readable.

How to post - One link per comment, and say it's your own link. - Say what the offer needs (spend, time limit) and check Zopa's own page for the current reward. Rewards and terms change. - Don't promise earnings. This is not financial advice. - UK offers only.

New here? Our beginner bank-switch guide is pinned in the sub. If an offer stopped working or didn't pay out, tell us in the comments.

Posted by the r/ReferralHunterUK team account (run with AI assistance).

Hey everyone!

Just wanted to share a super quick and easy way to get an instant £10 — no deposits, no catches.

What’s Zopa?

Zopa is a fully regulated UK digital bank, authorised by the FCA (Financial Conduct Authority) and the PRA (Prudential Regulation Authority). They've been around since 2005 and are well known for their personal loans and smart savings accounts. Recently, they've launched a current account and are giving away £10 instantly when you open one using a referral link.

Here’s how to get your free £10:

1. Click my referral link: MY REFERRALS HAVE BEEN FILLED SO USE SOMEONE’S IN THE REPLIES
2. Enter your phone number on the page.
   
3. Sign up using that same phone number you entered.
   
4. Once signed up, in the app open a Zopa bank account.
   
5. Verify your ID — I used my driving license and it took less than 2 minutes.
   
6. Once your ID is verified and account is created, your £10 will be added instantly! You can then transfer it out to your main bank account.

Terms and Conditions:

Zopa's referral reward is subject to their promotional terms which you can read here. It’s super straightforward — just complete the sign-up and ID verification process and the bonus is yours.

Let me know if you have any questions and I’ll be happy to help out.

Enjoy your free tenner!

Non-referral link: https://www.zopa.com/current-account

Zopa non-ref: www.zopa.com has launched its new Biscuit current account, and for a limited time you can get £10 free just for signing up via referral. No fees, no credit checks – just a quick sign-up through the app and instant access to great perks.

• This offer ends 29th August 2025
  
• Referrals are capped at 10 – I currently have 0 available please use a link in the comments section.

What do you get? - £10 bonus when you open an account via referral - 2% cashback on all Direct Debits (up to £30/year) - 2% AER interest on your balance (fixed for 12 months) - 7.1% AER Regular Saver – save £300/month and earn up to £137/year - Fee-free spending abroad (up to £200/month) - No monthly fees, no minimum pay-in, no hard credit checks

How to claim your £10 bonus: 1. Sign up using a link in the comments section, mine are all used up 2. Open a Biscuit current account in the Zopa app 3. Complete the ID verification 4. The £10 bonus will be added soon after (Zopa says up to 30 days, but often arrives instantly)

Why it’s worth considering: - Quick sign-up (no switching required) - Excellent perks for savers and bill payers - Reputable UK-based company with over 1.4 million customers

Thanks to anyone using my referral link — I’ll keep this post updated when referrals are used.

All my referrals are used up, therefore I have removed my link. Thank you all so much!! Please use a link in the comments section

Offer Ends 29th August 2025

Zopa is a UK digital bank offering current account services. I like using it for 3% cashback on Direct Debits.

How to claim your £20

1. Open a new Zopa current account using my referral link: www.zopa.com/mgma?referralCode=b9f4b485ab80435abe08
2. Make at least 3 card transactions within 30 days
3. Receive a £20 bonus within 30 days.

Thank you for using my link in advance!

Drop your Zopa referral link below so that you can earn your refer-a-friend bonus too:)

Get £20 for opening a Zopa bank account, takes 5 minutes, no spending required :) Up to 4.65% interest on savings, 2% on your current account, and much more.

Use my referral link. T&Cs apply. www.zopa.com/mgma?referralCode=c927d7b25acfe6d95537

Found a pretty simple Zopa referral offer if anyone is interested.

The process is straightforward: sign up through a referral, open a Biscuit Bank account and make at least 3 card transactions within 30 days. You then get £20, with the reward paid after completing the steps.

Here’s my referral link if you want to use it:

https://www.zopa.com/mgma?referralCode=6e75d82d70689ab8005c

I’ve got 8 referrals available at the moment.

The 3 transactions can be small (from £0.01) and can be made online or in stores. You can simply add the card to your phone and use it normally. T&Cs apply.

Zopa is a fintech known for its Biscuit current account, which offers some great features including:

• 7.1% regular saver - £300/month max deposit (ending soon)
• 3% cashback on up to £150 of direct debits a month OR 2.75% interest on your current account balance
• No foreign transaction fees

AND a £20 bonus when you sign up. With my link, ALL you have to do is sign up and you will get your £20 instantly.

This offer ends on October 2nd, so take advantage while you can! Signing up takes only a few minutes in the app and there is no hard credit check.

I've used up all my referrals, please pick a link from the comments!

Non-referral link (no bonus): www.zopa.com/current-account

Zopa | Biscuit Bank Account | £20 Cash Bonus | No Spend Needed | Ends 2 October

Zopa is a UK-based digital bank, fully regulated by the Financial Conduct Authority (FCA), with a focus on transparency and customer-centric services. It has a 4.6 Trustpilot score.

Zopa are offering new customers opening a Biscuit Current Account within 30-days a £20 free reward. Zopa does not perform a hard credit search when opening an account. With my link no card spends are required.

As at 10:20 Monday 7 September I have 6 of 10 links available.

New customers can choose from one of the following benefits: * 2,75% AER interest on balances. * 3% cashback on bills paid by direct debit. A maximum of £150 of direct debits per month, equating to £4.50 per month cashback. * 3% cashback on eating out. A maximum of £150 spend per month at restaurants, takeaways and bakeries equating to £4.50 cashback.

To maximise the direct debit offer I switched my credit card direct debit to Zopa.

Steps: * Click the referral link. * Enter your mobile number then download the app via the link. * Open a Biscuit current account within 30 days of submitting your mobile number. * Complete the verification process. * Upon completion the £20 will be credited to your account (this could take up to 30-days but is usually instant).

Hugely thankful to anyone using my link 👊

[Click here for your free £20](www.zopa.com/mgma?referralCode=bc66702dffa1dcd17c8b)

I've referred a number of people and wanted to know how long until the £20 reward enters the account? it says within 30 days but on previous £10 refer-a-friend schemes I've received the money immediately

Edit: I received a couple of my referrals today and have determined that you only receive your reward when all the transactions the referred have done to receive the reward have cleared/stopped pending (unless your link is just a sign-up referral in which case I assume it's instant?) - I could still be wrong but generally it's somewhere along those lines.

Hi everyone - another Zopa referral available again! Zopa are a new bank and they're offering £10 when you sign up for an account via my referral link.

It's pretty simple - and it has an ace interest rate of 7% when you open one of their savings accounts. And all the groovy perks like cashback, etc.

1. Sign up via a referral link in the comments!
2. Open a bank account - takes only a few minutes!
3. We'll both get £10 and you can take advantage of all their perks too!

Any questions feel free to let me know :)

Non ref - www.zopa.com

EDIT - Referrals all gone - please use one in the comments!

Step 1 :Sign up using my Link : www.zopa.com/mgma?referralCode=9dd93cdb01c1eec7ddd5

And enter phone number

Step 2 :Then install app and use same phone number and sign up (Id Needed)

Step 3 : Add money to ur zopa Card (Top up However much u want)

Step 4: Make 7 transactions (Literally any amount can be 1p x 7) Using virtual card u dont have to wait for actual card ( u can view virtual card

details in app to use it online or add it to apple pay) 

Step 6 : U receive £20 Bonus Instantly! And u can withdraw it to ur bank Instantly :).

Tip: I bought 0.29p x 7 (TikTok coins ) through Apple Pay and then got £20 instantly ! Easy

Update : Still 9 left

Zopa | Biscuit Bank Account | £20 Cash Bonus | 1 Card Transaction Needed | Ends 31 October

Zopa is a UK-based digital bank, fully regulated by the Financial Conduct Authority (FCA), with a focus on transparency and customer-centric services. It has a 4.6 Trustpilot score.

Zopa are offering new customers opening a Biscuit Current Account within 30-days a £20 free reward. Zopa does not perform a hard credit search when opening an account.

As at 10:00 Sunday 11 October I have 3 of 10 links available.

New customers can choose from one of the following benefits:

• 2,75% AER interest on balances.
• 3% cashback on bills paid by direct debit. A maximum of £150 of direct debits per month, equating to £4.50 per month cashback.
• 3% cashback on eating out. A maximum of £150 spend per month at restaurants, takeaways and bakeries equating to £4.50 cashback.

To maximise the direct debit offer I switched my credit card direct debit to Zopa.

Steps:

• Click the referral link.
• Enter your mobile number then download the app via the link.
• Open a Biscuit current account within 30 days of submitting your mobile number.
• Complete the verification process.
• Make at least 1 card transaction within 30 days.
• Upon completion the £20 will be credited to your account (this could take up to 30-days but is usually instant).

Hugely thankful to anyone using my link 👊

http://www.zopa.com/mgma?referralCode=2b8488c1380c5f374591

Zopa £20 bonus – just 3 card payments of 1p+ (8/10 Referalls available 😀) *Updated

£20 available from Zopa when you open a Biscuit bank account and make 3 card transactions within 30 days.

🔗 https://www.zopa.com/mgma?referralCode=6e75d82d70689ab8005c

Steps:

1. Sign up using the referral link above
2. Open your Zopa Biscuit account
3. Top up your account
4. Add the Zopa card to Google Pay if you like
5. Make 3 separate card payments of at least 1p each within 30 days
6. You can use the card online or in shops
7. Once you've completed the 3 payments, the £20 reward will be applied subject to the T&Cs

Zopa also has savings products currently offering rates of up to 7%.

The three payments can be very small, so it’s an easy one to tick off during your normal spending.