We’re rolling out two new membership tiers and two new features – giving customers more flexibility, more rewards and more control over their spending than ever before.
Today we’re announcing our most significant product expansion since launch. Two new membership tiers, a new way to spread the cost of bigger purchases, and a smarter way to access your salary before it arrives. Here’s everything you need to know.
Why now?
Our Credit Confidence Study of over 10,000 UK adults found that 45% of consumers want rewards and savings from their credit products, and 47% want those products to help them manage their spending. The new products we’re launching today are a direct answer to that – more of the rewards and flexibility consumers want with transparency and control.
New membership tiers: Extra and Plus
Our new membership tiers give customers more value every time they spend. Members earn more rewards on everyday purchases, unlock priority customer support and, for eligible members, access to Zilch Advance.
Zilch Extra
Extra turns a simple Open Banking connection into something more useful – sharper offers, real spending insights, and rewards that work wherever you shop. Learn more about Zilch Extra.
Zilch Plus
Plus pays members up to 6% back in rewards when using debit, and up to 1% when using credit – with the best rates unlocked simply by enabling your Zilch card in the app before checkout. Learn more about Zilch Plus.
Zilch Advance
Zilch Advance uses AI-enabled open banking and income verification to give eligible customers access to up to £100 of their salary up to seven days before it arrives, repaid automatically when their income lands.
It’s a flexible tool for customers who want more control over when they access their money. The advance operates within a customer’s existing, fully regulated Zilch credit agreement, with no separate application or product to manage. Fees apply.
Learn more about Advance here.
Pay Monthly
Pay Monthly expands the options for customers who want to spread the cost of purchases over time, with more flexibility for bigger purchases over three, six or 12 months. Fees are shown upfront with no surprises at checkout.
It’s designed for customers as an alternative to high-interest credit cards or personal loans. Like all Zilch credit products, Pay Monthly operates within a customer’s existing regulated credit agreement. Learn more about Pay Monthly here.
Rolling out now
Pay Monthly, Advance and the new membership tiers are being rolled out progressively across Zilch’s user base over the coming months. Get in touch with our customer service team if you have any questions.