Zilch
London, United Kingdom
What it is
Zilch is a consumer app and card offering payment options, Rewards, and credit. Customers can pay now, pay over 6 weeks, or pay over 3 months, subject to eligibility and fees; listed repayment terms also include 6 and 12 months. Zilch advertises credit from £50 to £4,500, subject to status. Its app is usable wherever Mastercard is accepted, and customers can add it to Apple Pay or Google Pay. Rewards can be earned on purchases and applied toward purchases. The free Standard plan offers up to 5% Rewards in-app only and has a £4.99 card fee. Extra costs £2.99 per month and includes a physical card; Plus costs £4.99 per month and lists up to 6% Rewards, with rates varying by purchase type. Eligible Extra or Plus customers may borrow up to £100 through Advance for a £3 processing fee, and eligibility requires connecting a bank account. Credit is for UK residents aged 18 or over and subject to status. Zilch was founded in 2018 and is headquartered in London.
For and against
For
- Free Standard plan offers up to 5% Rewards in-app.
- Apple Pay and Google Pay integrations are listed.
- Eligible Extra or Plus customers can access Advance.
- Support is available seven days a week.
Against
- Standard is in-app only and has a £4.99 card fee.
- Extra costs £2.99 per month.
- Plus costs £4.99 per month.
- Credit is subject to status and UK eligibility.
The verdict
Zilch combines multiple repayment options with Rewards and an app-linked card. Compare plan fees and eligibility conditions before choosing how to pay.
Who it suits
Zilch suits UK residents aged 18 or over who want app-based payment choices and Rewards, subject to eligibility. Customers seeking a physical card can consider Extra or Plus.
Plans and prices
Zilch Standard
Up to 5% Rewards · in-app only · £4.99 card fee
Read 7 Oct 2026 · zilch.com
Zilch Extra
Up to 5% Rewards · everywhere · physical card included
Read 7 Oct 2026 · zilch.com
Zilch Plus
Up to 6% Rewards · 1% for Pay over time in-app · 0.25% outside app · physical card included
Read 7 Oct 2026 · zilch.com
On the record
- Advance limit
- Eligible customers on Extra or Plus may borrow up to £100 through Advance, with a £3 processing fee.zilch.com · read 7 Oct 2026
- 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.zilch.com · read 7 Oct 2026
- Eligibility
- Zilch states that its credit is subject to status and is for people aged 18 or over who are UK residents.zilch.com · read 7 Oct 2026
- Open Banking
- Zilch uses Open Banking income verification to unlock smarter offers, and says Advance eligibility requires connecting a bank account.zilch.com · read 7 Oct 2026
- Payment options
- Customers can Pay now, pay over 6 weeks or pay over 3 months, subject to eligibility and fees.zilch.com · read 7 Oct 2026
- Regulation
- Zilch Technology Limited says it is authorised by the Financial Conduct Authority for payment services and is authorised and regulated by the FCA.zilch.com · read 7 Oct 2026
- Rewards
- Customers can earn up to 5% back in Rewards on Pay now purchases and use Rewards toward purchases.zilch.com · read 7 Oct 2026
- 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.zilch.com · read 7 Oct 2026
- Shopping access
- The app can be used wherever Mastercard is accepted, according to Zilch’s about page.zilch.com · read 7 Oct 2026
- Spending limit
- The site advertises credit from £50 to £4,500, subject to status.zilch.com · read 7 Oct 2026
- Wallet integrations
- Zilch says customers can add it to Apple Pay or Google Pay for tap-and-go shopping.zilch.com · read 7 Oct 2026
- What it does
- Zilch offers flexible ways to pay, Rewards and credit to consumers through its app and card.zilch.com · read 7 Oct 2026
