Zilch
zilch.com
What it is
Zilch is a consumer payment app and card offering ways to pay, Rewards and credit. Customers can pay immediately, spread payments over six weeks or pay over three months, subject to eligibility and fees; listed repayment terms also include six and 12 months. Zilch advertises credit from £50 to £4,500, subject to status. Its app works wherever Mastercard is accepted, and customers can add it to Apple Pay or Google Pay. Rewards can be earned on Pay now purchases and used toward purchases. Standard is free, offers up to 5% Rewards in-app and has a £4.99 card fee. Extra costs £2.99 per month and includes a physical card; Plus costs £4.99 per month, includes a physical card and lists different Rewards rates by purchase type. Eligible Extra or Plus customers may borrow up to £100 through Advance for a £3 processing fee; eligibility requires connecting a bank account. Zilch is available on Android, iOS and web. It says credit is for UK residents aged 18 or over and subject to status.
Spec sheet
- What it does
- Zilch offers flexible ways to pay, Rewards and credit to consumers through its app and card.Read 7 Oct 2026 · zilch.com
- Headquarters
- London, United KingdomRead 28 Sep 2026 · zilch.com
- Founded
- 2018Read 28 Sep 2026 · zilch.com
- Advance limit
- Eligible customers on Extra or Plus may borrow up to £100 through Advance, with a £3 processing fee.Read 7 Oct 2026 · zilch.com
- Customer support
- Zilch offers support seven days a week by in-app live chat from 9am to 6pm and by phone from 9am to 5pm.Read 7 Oct 2026 · zilch.com
- Eligibility
- Zilch states that its credit is subject to status and is for people aged 18 or over who are UK residents.Read 7 Oct 2026 · zilch.com
- Open Banking
- Zilch uses Open Banking income verification to unlock smarter offers, and says Advance eligibility requires connecting a bank account.Read 7 Oct 2026 · zilch.com
- Payment options
- Customers can Pay now, pay over 6 weeks or pay over 3 months, subject to eligibility and fees.Read 7 Oct 2026 · zilch.com
- Regulation
- Zilch Technology Limited says it is authorised by the Financial Conduct Authority for payment services and is authorised and regulated by the FCA.Read 7 Oct 2026 · zilch.com
- Rewards
- Customers can earn up to 5% back in Rewards on Pay now purchases and use Rewards toward purchases.Read 7 Oct 2026 · zilch.com
- Security certifications
- Zilch says it is PCI DSS Level 1 certified, annually certified to ISO 27001:2022, and passed a SOC 2 Type 2 audit in June 2026.Read 7 Oct 2026 · zilch.com
- Shopping access
- The app can be used wherever Mastercard is accepted, according to Zilch’s about page.Read 7 Oct 2026 · zilch.com
- Spending limit
- The site advertises credit from £50 to £4,500, subject to status.Read 7 Oct 2026 · zilch.com
- Wallet integrations
- Zilch says customers can add it to Apple Pay or Google Pay for tap-and-go shopping.Read 7 Oct 2026 · zilch.com
Plans and prices
Zilch Standard Free Free Up to 5% Rewards · in-app only · £4.99 card fee Read 7 Oct 2026 · zilch.com
Zilch Extra £2.99 a month £2.99/month Up to 5% Rewards · everywhere · physical card included Read 7 Oct 2026 · zilch.com
Zilch Plus £4.99 a month £4.99/month Up to 6% Rewards · 1% for Pay over time in-app · 0.25% outside app · physical card included Read 7 Oct 2026 · zilch.com
Strong points and limits
Strong points
- Use wherever Mastercard is accepted.
- Apple Pay and Google Pay support.
- Rewards can be used toward purchases.
- Payment terms include up to 12 months.
Limits
- Standard has a £4.99 card fee.
- Extra costs £2.99 per month.
- Plus costs £4.99 per month.
- Credit is subject to status and eligibility.
Who it suits
Zilch suits UK residents aged 18 or over who want payment options through an app and card, subject to eligibility. Its different plans and payment terms may suit people comparing in-app rewards, physical cards and ways to spread payments.
Verdict
Zilch combines app-based payments, card access, Rewards and credit with several repayment terms. Check plan costs, card fees and eligibility conditions before choosing how to use it.
Where Specifiction places it
- Buy Now, Pay Later Platforms#16 of 267.7
