Who can use this offer?
- Eligibility
- UK residents aged 18+ who have never used the Zopa app or held a Zopa product
- Spending or deposit
- Seven card transactions within 30 days
Read the provider’s full terms and confirm your eligibility before applying.
How to claim the offer
Follow these steps only if the provider confirms the invitation and its current terms.
- Open the invitation, check its remaining referral capacity and submit your mobile number.
- Download Zopa through that link and open an eligible Biscuit account using the same number.
- Complete seven debit-card or digital-wallet purchases within 30 days of submitting your number.
- A successful referral is paid into the Zopa account within 30 days of completion.
Important conditions
- The invitation allows ten successful referrals. If the referrer has reached that cap when you qualify, no reward is payable.
- Bank transfers and cash withdrawals are not the card purchases specified by this invitation.
- Both accounts must remain open and unsuspended until payment. Account approval is not guaranteed.
- This referral does not require a bank switch and cannot be combined with other Zopa referral promotions.
Checks & provider information
- Last checked
- 18 Oct 2026
The exact invitation and Zopa’s referral terms were checked on 18 October 2026. The invitation’s £20 reward and seven-transaction requirement were visible.
Zopa Biscuit terms
