How to use Zilch
It’s super easy to pay with Zilch. Just follow these simple steps to get going
Written by Zilch Support
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 in 1. And when you need a bit more time, you can use Pay in 4 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 in 1 or Pay in 4. 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.

Learn all about earning Rewards with Pay in 1 and splitting costs with Pay in 4.

How do I enable my card?

  • Log in to your account online or via the app, then search our storefront to find your chosen retailer

  • Select whether you’d like to spread the cost with Pay in 4 or Pay in 1 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...

*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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