We signed a multi-year deal with Visa, launched our first physical card at Money20/20 Amsterdam, and unlocked access to 150 million+ merchants worldwide.

We were named EMEA’s fastest-growing tech unicorn in Deloitte’s Tech Fast 500 2024, with almost 8,000% growth over three years.

We surpassed 5 million customers – 1 in 7 UK working adults – and saved them over £750 million in fees and interest.

We launched “Spend with Benefits,” a multi-channel campaign featuring a week-long full Metro wrap, MailOnline takeover and nationwide OOH.

UK Chancellor Rachel Reeves spotlighted us as one of Europe’s fastest-growing firms in her IFGS 2025 keynote address.

We were ranked the UK’s fastest-growing unicorn in the Financial Times’ FT1000, topping all UK firms valued over $1 billion.

We were named the UK’s fastest-growing private company valued over $1 billion in The Sunday Times 100 Tech 2025.

We launched Zilch Travel, our white-label solution powered by lastminute.com, the go-to for online travel and leisure services.

We announced the expansion of our securitisation facility to £150 million, backed by Deutsche Bank and joined by two of the world’s largest global credit funds.

Zilch turned 4! We celebrated 4 years of helping our 4 million+ customers save over £500 million in fees and interest, sparking a new wave of financial inclusion.

A milestone month: Zilch reached profitability within four years, doubled growth year-on-year to a $130 million ARR, and welcomed Mark Wilson to our board.

We renewed our partnership with next-gen payments platform Thredd to drive billions in commerce and deliver incredible savings and rewards.

Our CEO and Co-Founder, Philip Belamant, won Credit Strategy’s ‘UK Business Leader of the Year’ for the third consecutive year, alongside industry leaders like Sky and HSBC.

To fuel our ambitious growth strategy, we secured a £100 million securitised debt financing deal with Deutsche Bank (DB).

We smashed another milestone: over 4 million customers in just 44 months! Our total GMV (Gross Merchandise Value) also crossed the $3 billion mark.

Our CEO and Co-Founder, Philip Belamant, kicked off this year’s AWS Summit with a show-stopping keynote in front of 50,000 attendees. Watch it here. 

Our collaboration with (Amazon Web Services) AWS introduced AI-driven solutions at Zilch, enhancing personalised affordability limits and fraud detection.

We signed a multi-year contract with Checkout.com for global acquiring, supercharging our financial infrastructure.

Zilch took the lead in a groundbreaking moment for UK fintech by founding the first-ever Unicorn Council for UK Fintech (UCFT). Read its six key policies.

We launched our Pay Over 3 Months interest-free regulated product – giving customers more flexibility and control, without the worry of extra costs.

New year, new office! Zilch officially moved into a spacious 18,500 square foot office in Victoria – over twice the size of our old spot.

With the official launch of ZilchUp, we’re providing even more affordable credit options to help customers build stronger financial futures.

We had the honour of opening the Markets at the London Stock Exchange, celebrating our customer base surpassing 3.5 million.

We celebrated the opening of our new technology hub in Krakow, Poland, establishing a European Centre for Excellence.

We launched our Ad-Subsidised Payments Network (ASPN), our proprietary ad-sales platform. Check out our whitepaper on the “Googlisation of Payments“.

We partnered with Yapily to bring affordable credit solutions to millions – because everyone deserves a fair chance.

We partnered with debt charity StepChange to continue leading the way in responsible lending.

We became the first BNPL provider to report to all three credit reference agencies.

We reached over £1 billion cumulative GMV.

We became profitable on a per-transaction basis for the first time.

We hit 3 million customers in record-breaking time.

We were awarded Credit Card Provider of the Year at the Credit Strategy Awards.

We joined the Financial Technology Association (FTA), strengthening our voice in fintech policy and innovation.

We crossed the pond and launched our Beta product stateside (with a waitlist of customers).

We surpassed 2 million customers.

Our customers were happy, too. We were the highest-rated BNPL service in the UK, with 4.6 on Trustpilot and 37,000+ reviews.

We became a double unicorn and the fastest company in Europe to go from Series A to Unicorn status.

We surpassed 1 million customers and over £100 million in sales in just 13 months.

We raised $110 million in investment from Goldman Sachs and DMG Ventures, backing our mission to build a better way to pay.

Pay in 4 was made available on Tap and Pay, a UK industry first.

Our total valuation hit $500 million following Series B investment.

Zilch is approved by the FCA’s Regulatory Sandbox, becoming the first ever BNPL to be FCA-licensed.

With a dream and an $11 million investment, Zilch became a reality.

We launched our Beta product with a team of 12 – small but mighty (and destined for big things).

Zilch Technology Limited was incorporated.