What is Zilch?
Want to get more out of your shopping experience? Learn how you can revolutionise the way you pay
Written by Zilch Support
Updated over a week ago

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 hard-earned cash – 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 in 4 or earn Zilch Rewards when you Pay in 1.

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 in 4

  • Shop with no fees and zero interest*

  • Earn Rewards while you shop with Pay in 1

  • Earn up to 5% in Zilch Rewards to spend online at thousands of participating stores

  • 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 to Zilch?

Watch this short video or learn more here.

*APR 18.1%.

Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. Representative example: Representative APR 18.1% (fixed) based on total spend: £240 (+£2.50 fees). Total repayable: £242.50 paid over six weeks, first payment £62.50, then three payments of £60.00 every two weeks. T&Cs apply

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