Pay by Bank lets you repay your Zilch instalments directly from your bank account. It’s quick, secure and available with over 50 UK banks.
What can I use Pay by Bank for?
Pay by Bank is available for any Pay over 6 weeks or Pay over 3 months instalment that’s over £22. It’s not available for Pay now purchases.
How do I use Pay by Bank?
Open the app and tap Purchases and Upcoming
Choose the instalment you’d like to pay
Select your bank from the list
Follow your bank’s on-screen instructions
Once the payment’s complete, you’ll see it update instantly in the app.
What happens with Pay by Bank refunds?
If you’ve used multiple payment methods for a purchase, your refund will be split between them.
For example, if you paid your first instalment with Pay by Bank and the rest by debit card, part of the refund will go back to your bank account and the rest to your card.
Bank refunds usually arrive a bit quicker than card refunds, but you should get all your money back within 5–10 days.
Is Pay by Bank secure?
Yes. Pay by Bank uses a secure connection to your bank account via Plaid. Your details aren’t stored by Zilch and you stay in control of every transaction.