Zopa Bank – Mobile Banking

Looking for the best banking app in the UK? Meet Zopa — an award-winning online bank. Powered by the UK’s most helpful banking AI*, Zopa makes everyday online banking simple and rewarding.

Download our mobile banking app with savings, budgeting and borrowing tools all in one place, and join over 1.5 million customers already banking with Zopa.

AWARDED BEST PERSONAL CURRENT ACCOUNT BY MONEYNET 2026

Biscuit is our award-winning free bank account that puts money back in your pocket every month. It takes just 4 minutes to set up from your phone.

Biscuit comes with perks including:

* Zopa’s AI – helping you with anything from moving money to setting budgets
* Fee-free card spending abroad – no hidden charges when you travel
* Interest on your bank account balance – 1% AER/gross variable
* A free coffee from Caffè Nero every month
* FSCS protection up to £120,000

Plus, you get to choose a benefit that suits you. Pick from:

• 2.75% AER (2.72% gross) variable interest on your balance
• 3% cashback on up to £150 of Direct Debits each month
• 3% cashback on up to £150 spent on eating out each month

Our banking app also connects to your non-Zopa bank accounts and credit cards giving you a complete financial picture in one place

Interest and cashback is paid monthly. ATM withdrawal fees may apply abroad. 18+ UK tax residents only. T&Cs apply. zopa.com/bank-account

SAVE WITH ZOPA
Searching for the best app for growing your money? Zopa has been named Moneynet's Best Savings App two years running. Our mobile banking app with saving and investing tools is built to help you reach every financial goal, big or small:

* Easy access savings pots: flexible, with no lock-in period
* Fixed interest savings pots: secure a great rate and watch your money grow
* Flexible Cash ISA pots: save up to your annual allowance, completely tax-free
* Auto-save: let the app move money into your pots automatically, without lifting a finger

BORROW WITH ZOPA
Keep tabs on your Zopa credit card, personal loan or car finance in one app. Check your balance and make payments in just a few taps. Recognised by the British Bank Awards as 2024’s Best Personal Loans Provider and 2025’s Best Credit Card Provider.

BUDGET SMARTER WITH ZOPA
With the UK’s most helpful banking AI*, Zopa makes managing your money quicker and easier.

Use the Ask tab to move money between bank accounts, make payments, set budgets and get spending insights. Just say or type what you need in your own words, like “Did I pay the plumber last week?" or “Set a £50 monthly takeaway budget”, and Zopa’s AI will help you get it done

WHY MILLIONS CHOOSE ZOPA

* The best banking app for online banking: award-winning across current accounts, savings and lending
* Free Biscuit bank account: cashback, interest on your balance and fee-free spending abroad
* FSCS protection up to £120,000
* Friendly support team available by call or chat

Whether you're brand new to mobile banking or switching from another bank, opening a Z