If you refer someone to Zilch
You'll need to be a UK resident aged 18 or over with an existing Zilch account.
What is the promotion?
Our referral promotion allows Zilch customers to earn Zilch Rewards when they refer a friend (the Referral Rewards). You – and the people you refer – must meet all the criteria (as set out below and/or in the referral terms sent to you with the referral link). If you or they do not meet the criteria, or if you or they partially meet the criteria, you and they will not receive the Referral Rewards.
After you've shared your referral link with a friend, they must use that link to sign up to and create an account with Zilch.
Within the next 30 calendar days (inclusive), your friend must then complete any steps required to receive a Zilch card, which includes successfully verifying their identity (altogether, the ‘Referral Tasks’).
Once your friend has completed the Referral Tasks, their Zilch account is approved by Zilch, and they receive their Zilch card, £5* in Referral Rewards will be applied automatically to both your Zilch account and your friend's Zilch account [within 10 working days of the Referral Tasks being completed].
You can refer as many friends as you like.
*During promotional periods, this amount may vary.
When we won't pay the Referral Rewards
If we change these terms and conditions. We may, at our sole discretion, suspend, terminate or change these terms and conditions without notice and at any time.
If you are using the referral link inappropriately. We appreciate you sharing your unique referral link far and wide with folks you know. But if we suspect that you are gaming the offer (for example, using advertising to promote your link) then we have the right to stop paying you the Referral Rewards. We'll reach out to you to let you know if we've done this.
When you might receive a different amount of Referral Rewards.
If a different promotion applies at the time. Once your friend completes the Referral Tasks, the Referral Reward amount is determined by the date your friend signs up for their Zilch account. For example, it is possible that a referral promotion of £15 for you and a friend may be running in month 'A', which could decrease to £5 in month 'B'. If you share the link in Month 'A' but your friend signs up in Month 'B', you'll receive £5, rather than £15, in Referral Rewards.
We'll keep the person who referred you updated on your progress
This could include confirming that you've opened an account and that this has been verified and accepted by Zilch successfully.
The small print…
If you take part in our referral scheme, we assume you’ve read and agreed to these terms and conditions. If we suspect any fraud or breach of these terms, we can refuse to pay the Referral Rewards or reverse a payment we’ve already made.
We can’t promise we’ll say yes to everyone who applies for Zilch after using a unique referral link. Like all financial service providers, we have a responsibility to keep Zilch and all our customers safe, so there are lots of factors we look at when your friends apply to Zilch. We’ll collect, store and process the data for everyone who takes part in line with our Privacy Notice. And one more thing English law applies to this referral scheme. Anyone who enters it submits to the exclusive jurisdiction of the English courts.