Zopa Referral Code UK 2026: Get £10 Bonus When You Open an Account
Updated June 2026 · 6 min read
Zopa Referral Bonus
£10 Cash Bonus
New customers only. T&Cs apply.
Zopa Bank Quick Facts
| Referral Bonus | £10 cash |
| Requirement | Open a Smart Saver account |
| Main Products | Smart Saver, Credit Card, Loans |
| FSCS Protected | Yes — up to £85,000 |
| Regulated By | FCA & PRA |
| App Rating | 4.6★ (iOS & Android) |
| Founded | 2005 (full bank licence 2020) |
What Is Zopa Bank?
Zopa is an award-winning UK digital bank that originally launched in 2005 as the world's first peer-to-peer lending platform. Since becoming a fully licensed UK bank in 2020, Zopa has attracted over 1.6 million customers with its highly competitive Smart Saver accounts, credit cards, and personal loans.
Zopa's "FeelGood" banking philosophy focuses on transparency and great rates. Unlike many challenger banks that prioritise current accounts, Zopa has built its reputation around being the best place to save money in the UK — offering some of the most competitive interest rates available on easy-access and notice savings accounts.
In 2025, Zopa expanded its product range with "Biscuit" — a new bank account that pays interest on your everyday balance and offers cashback on household bills, making Zopa a genuine full-service digital bank for the first time.
Zopa Smart Saver: Key Features
- ✓Competitive Savings Rates — Zopa regularly tops the UK easy-access savings tables. Available as instant-access or notice periods for higher rates.
- ✓Savings Pots — Create multiple pots with different notice periods so you can maximise interest while keeping some money accessible.
- ✓Award-Winning Credit Cards — Real-time spending tracking, flexible repayment options, and credit-building tools.
- ✓FSCS Protected — Your UK savings are fully protected by the Financial Services Compensation Scheme up to £85,000 per person.
- ✓FCA & PRA Authorised — Regulated to the same standard as any major UK high-street bank.
- ✓Slick Mobile App — Manage all your savings and products in one intuitive iOS and Android app.
How to Claim Your £10 Zopa Referral Bonus
- 1.Click our exclusive Zopa referral link to go to the official sign-up page.
- 2.Download the Zopa app on iOS or Android and start your application.
- 3.Open a Smart Saver account (takes around 5–10 minutes with identity verification).
- 4.Fund your account with an initial deposit.
- 5.Your £10 bonus will be credited to your account within a few working days!
New Zopa customers only. UK residents only. You must not have previously held a Zopa account. T&Cs apply — always check the latest terms on Zopa's website.
Zopa vs Monzo vs Starling: Which Is Best for Savings?
Choosing the right digital bank depends on what you need. Here's how Zopa stacks up against the UK's most popular alternatives for savings specifically:
| Feature | Zopa | Monzo | Starling |
|---|---|---|---|
| Referral Bonus | £10 | £5 | None |
| Focus | Savings & Loans | Current account | Current account |
| FSCS Protected | ✓ | ✓ | ✓ |
| Credit Card | ✓ | Limited | ✗ |
| Personal Loans | ✓ | ✓ | ✓ |
Table for general comparison only. Always check each provider's current terms and rates before signing up.
Frequently Asked Questions
How do I get the Zopa £10 referral bonus?
Click our Zopa referral link, open a Smart Saver account via the Zopa app, and fund it. The £10 bonus is credited automatically within a few working days. New UK customers only.
Is Zopa a safe UK bank?
Yes. Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. Deposits up to £85,000 per person are FSCS-protected — identical protection to any UK high-street bank.
What interest rate does Zopa Smart Saver pay?
Zopa's rates change regularly to stay competitive. They offer both easy-access and notice savings accounts — the longer the notice period, the higher the rate. Check Zopa's website directly for the current AER.
Does Zopa offer a current account?
Yes — Zopa launched "Biscuit" in 2025, a bank account that pays interest on your balance and gives cashback on bills. Their core products remain savings, credit cards, and loans.
How does Zopa compare to Monzo for savings?
Zopa typically offers better savings rates than Monzo's standard account, particularly through notice savings pots. Monzo is better for everyday spending and budgeting. Both are FSCS-protected UK banks.
Can I use a Zopa referral code and a promo code together?
Zopa's referral bonus is delivered via a unique referral link rather than a typed code. Our link automatically applies the £10 bonus. Check Zopa's site for any additional promotional offers.
Ready to start saving with Zopa?
Use our referral link to get £10 cash when you open a Smart Saver account today.
Claim £10 Bonus at Zopa →UK residents only. New customers only. T&Cs apply.