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All offers › Zopa Updated 5 April 2026

Zopa referral code — get £10 free (2026)

Payout£10
SpeedInstant – 30 days
Credit checkSoft only
Deposit neededNone
Our verdict⭐ Best first offer
Claim your £10 Zopa bonus
Referral links are capped at 10 uses each. We rotate links automatically — this one is active.
Open Zopa — get £10 →
Opens in a new tab • We may earn a commission • This doesn't affect your bonus

What is Zopa?

Zopa started in 2005 as the UK's first peer-to-peer lending platform. It's since become a fully FCA-authorised digital bank with over 1.5 million customers. Their "Biscuit" current account is their main product — it offers 2% cashback on bills paid by direct debit, and access to a regular savings account paying 7.5% AER (up to £300/month).

For beermoney purposes, the account is notable because it requires no credit check beyond a soft search, no minimum deposit, and the £10 referral bonus is typically paid almost instantly once your account is verified.

How to claim the £10 Zopa bonus — step by step

  1. 1
    Click the referral link above

    Make sure you open it via our link — if you go directly to the Zopa website you won't be tracked and won't receive the bonus. The link opens the Zopa app page.

  2. 2
    Download the Zopa app and start your application

    Available on iOS and Android. Tap "Open an account" and enter your name, date of birth, and UK address. The whole process takes around 5 minutes.

  3. 3
    Verify your identity

    Zopa will ask you to photograph a valid UK ID (passport or driving licence) and take a selfie. This is automated — no waiting for a human review in most cases.

  4. 4
    Your account is approved

    Zopa runs a soft credit check at this point to verify your identity. This does not appear on your credit report or affect your score.

  5. 5
    £10 is credited to your account

    The bonus typically appears within minutes of account approval, though Zopa's terms allow up to 30 days. You can withdraw it immediately — transfer to your main bank account or spend on the Zopa card.

Important: referral link caps

Each Zopa referral link is limited to 10 uses. We rotate links automatically as they fill up, but if you see an error when signing up, it may mean the link has just expired. Return to this page and refresh — we'll have updated to a fresh link.

Can I withdraw the £10 straight away?

Yes. Once the £10 appears in your Zopa account, you can transfer it to any UK bank account immediately using the Zopa app. There are no minimum holding periods on the referral bonus.

Will this affect my credit score?

No. Zopa only runs a soft credit search during the sign-up process, which is not visible to lenders and has no impact on your credit score. They confirm this in their terms: "When you apply for a Zopa bank account, we'll run a soft search on your credit file to help verify your identity — but this doesn't impact your credit score."

What happens after I get the bonus?

You can close the account if you wish, though many people keep it for the 7.5% savings pot and 2% direct debit cashback. Either way, the £10 is yours to keep.

Frequently asked questions

Do I need to switch my main bank account?
No. You open this as a secondary account. You do not need to move your salary or direct debits.
Is Zopa safe?
Yes. Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA ref 800542). Savings are FSCS protected up to £85,000.
What if my referral link shows as expired?
Refresh this page — we update links daily. Alternatively, check our offers page for the latest working link.
Can I also refer friends myself?
Yes. Once you have a Zopa account, you'll find your own referral link inside the app. You'll earn £10 for each friend you refer (up to your cap).