In 2018, a small team with a big vision set out to create the most empowering way to pay. Our game plan was to give you control over how you spend your money – whether that’s splitting the cost of bigger purchases or earning while you’re spending.
Think of Zilch as your regular bank card but with bigger gains. You’ll have the freedom to split the cost of purchases with Pay over 6 weeks or earn Zilch Rewards when you Pay now.
Your virtual Zilch Mastercard is kept safe on your phone, so you can simply tap, pay and earn Rewards as you go in-store or online.
Why should I use Zilch?
There are tons of benefits to opening a Zilch account:
Pay for anything, anytime, anywhere Mastercard is accepted
Spread the cost with Pay over 6 weeks (some stores will charge a fee up to £3, but we’ll always tell you about any fees upfront)
Earn up to 5% back in Zilch Rewards when you Pay now
Earn 0.5% back in Zilch Rewards when you shop in-store using Tap and Pay
Zilch is a responsible lender and will give you a personalised credit limit based on what we think you can safely afford to repay.
How do I sign up for Zilch?
Learn more here.