Use the referral link below to open a Zopa Biscuit bank account. This invitation says that, after opening the account, you need to make at least seven card transactions within 30 days for you and the referrer to receive £20 each.

How to get the Zopa Biscuit £20 referral reward

  1. Open the invitation first.

    Use the button above before starting an application, so the referral has the best chance of tracking correctly.

  2. Apply for a Biscuit bank account.

    Complete Zopa’s application and identity checks. The referral does not guarantee that Zopa will approve an account.

  3. Make seven card transactions.

    Use the Biscuit card for at least seven transactions within 30 days of the point stated in the invitation.

  4. Check that the reward has arrived.

    Once the requirements have been met, follow the timing and process shown in the live invitation or app. Contact Zopa if the offer does not track as expected.

The seven-card-transaction requirement

For this referral link, the invitation currently says “make at least 7 card transactions within 30 days.” Do not assume that a bank transfer, cash withdrawal, reversed payment or other type of transaction will count. Use normal card purchases and check the live referral terms if you are unsure.

Complete the transactions well before the deadline rather than leaving the seventh one until the final day. A payment may need to complete rather than merely appear as pending.

Eligibility and important checks

This is intended for people opening a new Biscuit account through the referral link. You still need to meet Zopa’s account-opening requirements and complete any identity checks it requests.

Before opening the account, check:

  • that the invitation still displays the £20 reward and seven-transaction requirement;
  • when the 30-day period starts;
  • which card transactions qualify; and
  • whether the terms exclude people who already hold, or have previously held, a Zopa account or Biscuit account.

Pros

  • Fixed £20 reward if every condition is met.
  • No bank switch is stated in this invitation.
  • The steps are easy to understand and have a clear deadline.

Cons

  • Seven card transactions are required within 30 days.
  • Account approval and referral eligibility are not guaranteed.
  • Referral terms can change or vary by invitation.

Zopa Biscuit referral questions

Do I need to switch my existing bank account?
No bank switch is stated in the invitation for this referral. You are applying for a Biscuit account, but always read the live offer terms before applying.
Do I need to make seven transactions?
Yes. The invitation for this link states that you must make at least seven card transactions within 30 days for the £20 reward. Do not rely on another person’s referral link, as requirements can differ.
Can I use a bank transfer as one of the seven transactions?
Do not assume so. The invitation specifies card transactions. Check the live terms for the exact definition and use ordinary Biscuit card purchases if you want to meet that condition.
Is the £20 guaranteed?
No. You must be accepted for an eligible account and meet every condition in the live invitation within its deadline. Zopa controls account approval, referral tracking and payment of the reward.

Source and check

Invitation wording checked on 18 October 2026. Referral promotions can change, so read the terms shown when you open the invitation.