Monzo vs Zopa Biscuit Referral Offers
These are smaller app-bank rewards rather than high-value switch bonuses. Monzo is usually the simpler day-to-day app-bank sign-up; Zopa Biscuit has a clearer £200 deposit requirement on the current GetQuids route.
Quick verdict
Pick Monzo if you want the simpler account-opening path and are happy with a variable reward. Pick Zopa Biscuit if the current £20 reward and £200 deposit route fits you.
Provider
Monzo
Join Monzo via this referral link and complete the current in-app offer steps to get a cash bonus. Monzo referral rewards can vary by account type and live campaign, with current Reddit discussion tracking £5-£50 routes.
Requirement: Current qualifying action shown in the Monzo app
Easy5 minutesPayout 24-48 hours
Verified 26 June 2026
Provider
Zopa Biscuit
Open a Biscuit bank account from Zopa through this referral link, deposit at least £200 within 30 days, and you can earn £20. Zopa referral links can show different qualifying routes, so follow the exact terms attached to this link.
Requirement: £200 deposit within 30 days on this referral route
Easy5-10 minutesPayout Within 30 days
Verified 27 June 2026 · Ends 29 June 2026
Related reviews
Monzo
Monzo Referral Review UK
The Monzo referral is not huge, but it is quick and low effort. It is best treated as a small bonus for trying an account you may actually use.
Zopa Biscuit
Zopa Biscuit Referral Review
Zopa Biscuit is a useful mid-value referral because it avoids a full bank switch. The key friction is the £200 deposit and short offer window.
Side-by-side
| Factor | Monzo | Zopa Biscuit |
|---|---|---|
| Reward | Up to £50 | £20 |
| Quick answer | Use the referral link for the Monzo offer. New eligible customers can get Up to £50 after meeting the requirement: Current qualifying action shown in the Monzo app. Last verified 2026-06-26. | Use code a8b49e611950a26e02d9 for the Zopa Biscuit offer. New eligible customers can get £20 after meeting the requirement: £200 deposit within 30 days on this referral route. Last verified 2026-06-27. |
| Best for | Low-friction app-bank onboarding | Specific £20 app-bank referral |
| Bonus trigger | Sign up through the referral link and complete Monzo's current action | Deposit at least £200 within 30 days |
| Main risk | Reward can vary by Monzo campaign | Deadline and referral-route terms matter |
FAQ
- Is Monzo or Zopa Biscuit easier?
- Monzo is usually easier if the current qualifying action is simple. Zopa Biscuit is still manageable if you can deposit £200 within the deadline.
- Are these bank switch offers?
- No. They are app-bank referral offers and should sit alongside, not replace, full bank-switch bonus planning.