Get £30 Cashback Every Year with Zopa!

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What’s the Zopa Cashback Offer?

If you're a Zopa customer, or thinking of becoming one, there's a little-known perk that could earn you £30 every year, just for paying your direct debits. And yes, this even includes direct debits into savings accounts.

Zopa’s current offer gives 2% cashback on direct debits, up to a maximum of £30 per year. Unlike many bank rewards that limit cashback to bills or subscriptions, Zopa’s offer is broader — it includes direct debits into savings accounts. This opens up a clever opportunity to earn cashback simply by moving your own money.

How Does It Work?

We tested this ourselves. One of our team members set up a £1,500 direct debit from their Zopa account into a Moneybox Instant Access Saver. A few days later, the cashback appeared in their Zopa account .

Here’s how it breaks down:

• £1,500 direct debit at 2% cashback = £30

• Cashback paid within a few days

• Hit your annual £30 cap in one go

Since the cap is £30/year, a single direct debit of £1,500 gets you the full amount. After that, any other direct debits won’t earn cashback, but you’ve already maxed out the reward.

If you’d rather spread it out, you could set up smaller direct debits over the year — as long as the total cashback doesn’t exceed £30.

Why This Matters

In a time when interest rates are fluctuating and every penny counts, easy cashback for moving your own money is a welcome win. If you already use Zopa as your current account, this is a no-brainer. And if you don’t? This perk might be a good reason to consider switching.

Tips to Maximise the Offer

• Set up a direct debit to a savings account (like Moneybox, Chip, or even another bank).

• Move £1,500 in one go to hit the full £30 cashback.

• Make sure it’s a direct debit — standing orders won’t count.

Zopa’s 2% direct debit cashback is one of the easiest bank perks to take advantage of. With no minimum monthly account usage or spending requirements, it’s a smart, simple way to earn £30 each year, especially if you’re already saving.