Zopa biscuit account with 2% on DD

fly-catchers

I opened my account last year before it was renamed Biscuit! I got £30 from a £1500 DD transaction done with my connected Moneybox account. Now that I am into a second year does the 2% on the DD still occur? I actually did another £1500 DD transaction. Though gather now they only pay £2.50 per month on £125 transactions. But had no payment of any sort has been paid. So is it only paid once or perhaps Moneybox no longer counts for the DD?

flaneurs_lobster

I've found this before with Zopa, it's very hard to determine exactly what terms apply at any particular point in time. The extract below is from the Zopa Account Terms:

Cashback on direct debits 

We may sometimes put offers in place where you receive cashback on direct debits you set up to pay your bills. We will tell you about these offers, and how they work, separately.

If you choose to take up a cashback offer, any cashback we give you will be calculated on the balance of direct debits that are paid from your Zopa account (subject to any maximum annual direct debit limits we advise you of) and paid to you on a monthly basis.

My italics, exactly what that means is not clear to me, what is true is that the only other reference to the rules of the cashback I can find are in the main puffery for the account

2% on Direct Debits up to £125/month

£30 from cashback — 2% cashback on up to £125 of monthly household bills paid by Direct Debit. 

Those sentences are taken out of context but they stand alone. Weasley words there, household bills, what these are is not defined.

Maybe there was an email to all current account holders that full explained the workings and rules of the DD cashback proffer, I must have missed it.

PloughmansLunch

I definitely got my 2nd lot of cashback from one PayPal transaction in January this year. I’ve found an email from 23rd December last year saying T&Cs were going to be automatically updated 23rd February 2026, so guess any future cashback will be much harder to obtain.

friolento

I did get my second £30 back in December 2025. I have not paid attention to T&C changes but it's pretty clear there have been some…..

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81973788#Comment_81973788

I got my year 2 £30 in a oner in November, £1500 DD to Moneybox (again). Poor that I missed the terms change email, I'm usually pretty good at stashing these things away.

fly-catchers

I saw that message but made sure I did my DD payment some time after my first anniversary with them. I did the full £1500 just in case they might pay the full £30. But not even the £2.50 yet. But will do £125 next month anyway and see.

PRAISETHESUN

I also got my 2nd £30 earlier this year by doing another Moneybox transfer. The new limit just means a little bit of extra effort to shuffle £125 around each month instead, which is easily doable. I'll probably start doing that if they continue to offer DD cashback at my next account anniversary

HillStreetBlues

What does the Growth Hub state?

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81975040#Comment_81975040

I've never really looked at that function - it's really rather smart, top level showing summary of earnings across all the different accounts held since inception and then the individual transactions beneath.

Certainly obvious if you've got that cashback in a oner this year.

HillStreetBlues

https://forums.moneysavingexpert.com/discussion/comment/81975059#Comment_81975059

It is handy.
Come the 1st May when my first year ends will see if I keep my 3% on DD or will default to 2%.