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 Zopa bank account takes minutes. Join over 1.5 million customers who've found a smarter way to bank, save and borrow — all in one place.
Download the Zopa app today — the best banking app for people who want more from their online banking and bank account.
*Based on Zopa testing of AI banking assistants from Revolut, NatWest, Lloyds and Starling. We assessed the range of banking tasks they could complete, their understanding of natural language and the interaction modes they supported.
18+ UK residents only. Banking services provided by Zopa Bank Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FSCS protected. T&Cs apply.
