How to use Zilch

It’s super easy to pay with Zilch. Just follow these simple steps to get going

Updated over a week ago

There’s more in it for you when you pay with Zilch. Get up to 5% back instantly when you use Pay now. And when you need a bit more time, you can use Pay over 6 weeks to split the cost over six weeks with zero interest. You. Are. Welcome.

How do I get started?

  • Once you’ve followed the steps to set up your account, you’ll receive your credit limit, which you’ll be able to spend using your virtual card. You can add this card to your digital wallet so you can Tap and Pay on the go, or you can copy and paste the card details when you’re shopping online.

  • For purchases using Tap and Pay, you’ll need to choose your default way of paying – whether that’s Pay now or Pay over 6 weeks. Don’t worry, you can change this at any time.

  • Then, when you’re ready to shop, all you need to do is enable your card.

How do I enable my card?

  • Log in to your account, then browse the app or use the search bar to find your chosen retailer

  • Select whether you’d like to spread the cost with Pay over 6 weeks or Pay now to receive Zilch Rewards

  • Click Enable card

  • We’ll automatically redirect you to your chosen store, so you can go ahead and fill your basket

  • When you’re ready to pay, come back to the app and copy your card details

See, we told you it was easy. Need a few more pointers? Watch our short video below...

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