News Archives

Alongside the licence, the UK and EMEA’s fastest-growing fintech unicorn has also deepened its relationship with Visa, becoming a direct, principal member

London, 11 December 2025 – Today, Zilch, the consumer payments platform powering the future of commerce, has announced that it has secured a payments services licence from the Financial Conduct Authority (FCA), further cementing its position as a trusted leader within the market.

The licensing marks a significant milestone for Zilch, removing the reliance on third-parties and enabling the business to build more payments methods in-house, develop and bring new products to market even faster and innovate quickly as new technologies in the market unfold – such as stablecoins.

It follows two major product launches for Zilch, including Zilch Pay, set to go live in H1 2026, that will capture an increasing share of consumers’ wallets and enhance the customer experience with a one click checkout experience, and Intelligent Commerce, an AI-powered platform that transforms unmatched live engagement data into real-time insights.

The FCA licence turbocharges this already impressive product development ability with direct access to roadmap discussions, early testing of new products and deeper commercial partnerships, setting the business up to continue pioneering the future of the payments industry.

“This is a major step change for Zilch, bringing us firmly into the payments tent and giving us a true seat at the table to shape the ecosystem”, said Philip Belamant, Co-Founder and CEO of Zilch. “It opens the door to new opportunities, setting us up to move even faster, more efficiently and cost-effectively. In just five years, we’ve amassed over 5.3 million users and thousands of retail partners based on the strength of our proposition and product. Now with our licence, we are even better positioned to develop this further and take advantage of new innovations as they mature to support the next phase of our rapid expansion.”

FCA licences have become increasingly difficult to secure, raising the bar for payments firms to ensure only the highest standards are met. Amidst this landscape, Zilch was subject to even greater scrutiny – similar to that of a new bank – with the successful application serving as strong testament to its regulatory credibility and operational governance.

In parallel, Zilch has also secured Principal Membership of Visa for the first time, reinforcing its collaborative relationship. Zilch and Visa intend to explore new opportunities to collaborate together on payments, leveraging technologies such as agentic commerce.

“We’re excited to continue supporting Zilch’s growth to bring new, cutting-edge solutions to the UK market,” said Mark Berry, Head of UK Clients at Visa. “Working together, we can deliver smarter ways to pay and be paid for people and businesses across the UK at scale.”

The news follows a momentous few months for Zilch, having raised over USD $175 million in debt and equity, including the expansion of its securitization led by Deutsche Bank, and also becoming the Official Way to Pay for Arsenal Football Club.

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Contacts.

Emily Thomas, VP of Communications: [email protected]

For any Press & Media enquiries, please contact: [email protected]

About Zilch.

Zilch is the London-headquartered consumer payments platform making money go further. Launched in 2020 with a mission to eliminate high-cost credit, Zilch offers a new type of payments experience combining flexible ways to pay with meaningful rewards, putting consumers in control of their finances while bringing them closer to the brands they love.

With over 5 million registered customers, Zilch uses its technology to connect its highly engaged user base with retailers and brands helping them acquire customers more efficiently whilst delivering consumers personalised rewards, benefits and discounts. Backed by leading global firms including AWS, Deutsche Bank and Visa, the business has rapidly scaled to become the UK and EMEA’s fastest-growing fintech unicorn, harnessing the power of credit, AI technology and data to improve financial outcomes for consumers and drive growth through rewiring the economics of global commerce.

Learn more at www.zilch.com.

UK and EMEA’s fastest-growing fintech unicorn announces first ever brand partnership

Agreement with Arsenal will give new and exclusive supporter benefits and more flexible ways to pay

London, 21 November 2025 – Zilch, the consumer payments platform powering the future of commerce, today announced a multi-year agreement with Arsenal, becoming the club’s Official Way To Pay.

The global partnership, which marks Zilch’s first foray into sports, spans both men’s and women’s teams, and will make available Zilch’s range of flexible payment options to Arsenal supporters.

The agreement will also offer Arsenal supporters new and exclusive benefits every time they spend with Zilch, in line with its mission of making consumers’ money go further.

To kick off the partnership, Zilch is giving £50,000 directly back to Arsenal supporters to spend on Arsenal Direct. The first 1,000 supporters to purchase an Arsenal product through the club’s online shop after 12pm on the 21^st November will each receive £50 off when spending £50 or more.

Zilch research shows that 75% of football supporters say being able to buy an official shirt every year makes them feel closer to their team and increases their enjoyment of the sport, so these rewards are designed firmly with supporters in mind and are indicative of the personalised benefits Zilch provides to its users.

Supporters will also be able to enjoy up to 10% off Arsenal in-store at the club’s flagship retail space, the Armoury, and have opportunities to win free tickets to every home game, access to exclusive merchandise drops, enjoy premium hospitality, meet players and take part in stadium tours.

Zilch is on a mission to eliminate high-cost credit with its payments platform that works in consumers’ favour and rewards them, rather than penalises them, for the retail value they create.

Together, Arsenal and Zilch are uniting to provide supporters with innovative and seamless ways to engage with the club they love.

Philip Belamant, CEO and Co-Founder of Zilch, said: “We have spent the past five years building a customer base of over 5 million highly engaged users – and we’ve done so organically through the strength of our proposition. We are hugely excited as we now embark on our first brand partnership with one of the most recognisable brands in the world, Arsenal. The club has a hugely engaged supporter-base, and at a time when sports brands are looking at partners to help bring supporters closer to them and deepen the supporter experience, this partnership aligns perfectly. It is a monumental partnership that sees us not only provide a range of ways to pay for Arsenal supporters, but will strengthen their passion for the team they love even more.”

Juliet Slot, Chief Commercial Officer at Arsenal Football Club, said: “We are delighted to welcome Zilch to the Arsenal family as a new Partner. Zilch is a new and exciting proposition with an industry-leading brand that will put our supporters at the heart of everything we want to achieve together. Their support and investment will help drive our ambition to win major trophies, and we’re looking forward to bringing new ways for our global Arsenal family to feel even closer to the club.”

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Contacts.

Emily Thomas, VP Communications: [email protected]

Arsenal Communications Team: [email protected]

For any Press & Media enquiries, please contact: [email protected]

About Zilch.

With over 5 million registered customers, Zilch uses its technology to connect its highly engaged user base with retailers and brands helping them acquire customers more efficiently whilst delivering consumers personalised rewards, benefits and discounts. With a valuation of $2 billion and backed by leading global partners including AWS, Deutsche Bank and Visa, the business has rapidly scaled to become the UK and EMEA’s fastest-growing fintech unicorn, harnessing the power of credit, AI technology and data to improve financial outcomes for consumers and drive growth through rewiring the economics of global commerce.

Learn more at www.zilch.com.

About Arsenal.

For more information please visit www.arsenal.com

Raise includes the expansion of its credit facility with Deutsche Bank, as the UK and EMEA’s fastest-growing fintech unicorn plots next phase of its journey

London, 13 November 2025 – Zilch, the consumer payments platform powering the future of commerce, today announced it has raised over USD $175 million ($176.7m) in debt and equity. Led by KKCG, the round includes participation from BNF Capital, and several other strategic investors. The raise also includes the expansion of its securitization led by Deutsche Bank.

The successful raise follows the recent launch of two of the biggest products since Zilch’s inception, strengthening its attractiveness to both merchants and consumers. Intelligent Commerce, an AI-powered platform that transforms unmatched live engagement data into real-time insights, comes in response to the fast-evolving Agentic Commerce landscape and has already become one of the business’ fastest-growing revenue streams. Zilch Pay, set to launch in H1 2026, will capture an increasing share of consumers’ wallets and enhance the customer experience with a one click checkout experience for Zilch customers.

With its latest round, Zilch is positioned to continue shaping the future of global commerce, with the funds to be invested in driving greater brand visibility through increased above-the-line (ATL) marketing spend, further product development and platform enhancement, and the exploration of strategic M&A opportunities.

Since launching in 2020, Zilch has been on a mission to eliminate high-cost credit through building a consumer payments platform that works in consumers’ favour and rewards them for the retail value they create. The power of the proposition has seen the business amass over 5.3 million customers, many of whom pay with Zilch almost 60 times a year, with its most engaged users doing so daily. Zilch connects these users to thousands of retailers and brands, including the likes of Amazon, eBay, Tesco and Sports Direct, to help them acquire customers more efficiently and increase their sales. As a result, Zilch has processed over £5 billion of commerce.

“In just five years, we have rewired the relationship between brands and their customers, offering a different way to pay that brings mass benefits to both consumers and merchants”, said Philip Belamant, CEO and Co-Founder of Zilch. “This funding reflects strong confidence in our team, strategy and execution, enabling us to continue scaling at pace. Our newly launched products are already driving outsized growth, and with the support of a world-class group of debt and equity investors, we’re well positioned for the next phase of expansion. In a market where many have found raising capital difficult, the network and strategic leadership of my co-founder, Sean O’Connor, have been instrumental in helping us achieve this outcome and we are excited for the year ahead.”

Hugh Courtney, Chief Financial Officer added: “Our ability to attract world-class investors at a time when many remain highly selective in their capital deployment is testament to the strength of the business we are building. Future-proof innovation, diversified revenue streams and a highly engaged customer base are all critical factors in our rapid growth and we look forward to working with our shareholders to build on these successes, eliminate high-cost credit and rewire the economics of commerce.”

Karel Komarek Jr., CEO of KKCG US Advisory commented: “KKCG is all about finding new solutions in established industries and creating sustainable value. Zilch’s impressive track record demonstrates that its approach to using technology to challenge the status quo and re-engineer the credit landscape delivers exceptional value for consumers and businesses. We’re looking forward to being part of this exciting next stage of their journey.”

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Contacts.

Emily Thomas, VP Communications: [email protected]

For any Press & Media enquiries, please contact: [email protected]

Photography.

https://we.tl/t-5yToAMIAOU

About Zilch.

Learn more at www.zilch.com.

As Zilch enters a transformative new phase of expansion, we are pleased to announce the appointment of Ryan Mendy as Chief Business Officer, Growth, Partnerships & Market Strategy.

Transitioning within the executive team from Chief Communications Officer, Ryan has played a pivotal role in shaping Zilch’s narrative, serving as the Co-Founding Co-Chair of the Unicorn Council for UK Fintech (UCFT) with Innovate Finance and forging connections with many of the world’s most influential companies, investors, and policymakers – including Prime Ministers, Chancellors and Mag 7 CEOs

This new leadership role reflects Zilch’s strategic priorities as we launch Zilch Intelligent Commerce, expand Zilch Pay, and accelerate at scale. Ryan will lead the development of key partnerships across technology, capital markets, global brands and government to help power the next chapter of our growth.

UK and EMEA’s fastest-growing fintech unicorn adds open banking to its repayment options, enabling smarter, more flexible payment journeys for its 5 million+ customers

London, 21 October 2025 – Zilch, the consumer payments platform powering the future of commerce, today announced it has partnered with Plaid to integrate open banking into the heart of its repayment experience. Together, the companies will unlock new, streamlined ways to repay for its 5 million+ customers.

Zilch customers will now be able to use the Pay by Bank method for one-off repayments, allowing them to repay directly from their bank account with just a few taps. The news comes as open banking usage hits 15 million users, nearly one in three UK adults, marking its fastest growth yet and highlighting increasing customer uptake.

Zilch is also leveraging Plaid’s Virtual Account capabilities to further strengthen its payment operations. Improved settlement tracking and built-in refund functionality will enable Zilch to deliver an even smoother customer experience, while simplifying reconciliation and reducing overheads.

As Zilch continues to scale, open banking is key to delivering on its mission to make payments smarter, simpler and more affordable. Plaid provides secure, reliable connectivity to over 12,000 institutions globally and has deep expertise across 18 European markets, paving the way for Zilch to deliver additional, highly scalable repayment innovations in the future.

Joe Zender, Chief Product Officer at Zilch, said: “We are building a consumer payments platform that drives the future of commerce, and central to this is providing flexible ways to pay. Integrating with Plaid is an important step that allows us to continue to deliver on this, enabling flexible, low-cost repayment options at scale, all while simplifying the experience behind the scenes. This latest announcement is further evidence of how we are evolving to meet the needs of our customers and offer a product that is transparent, cost-efficient and tailored to their needs.”

Zak Lambert, Head of European Products, Plaid said: “Pay by Bank is reshaping the future of payments across Europe. By combining Plaid’s secure, real-time connectivity with Zilch’s customer-first approach, we’re showing how open finance can deliver better outcomes for both consumers and businesses.”

The partnership follows the recent announcement of Zilch Pay. Set to be released in H1 2026, the innovative one-click button will see Zilch available for brands at checkout, connecting its app, digital wallet and card and allowing consumers to purchase products even more seamlessly, enhancing their shopping experience.

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Contacts.

Ryan Mendy, Chief Communications Officer: [email protected]

For any Press & Media enquiries, please contact: [email protected]

About Zilch.

With over 5 million registered customers, Zilch uses its technology to connect its highly engaged user base with retailers and brands helping them acquire customers more efficiently whilst delivering consumers personalised rewards, benefits and discounts. With a valuation of $2 billion and backed by leading global partners including AWS, Deutsche Bank and Visa, the business has rapidly scaled to become the UK and EMEA’s fastest-growing fintech unicorn, harnessing the power of credit, AI technology and data to improve financial outcomes for consumers and drive growth through rewiring the economics of global commerce.

Learn more at www.zilch.com.

About Plaid.

Plaid is a data network that serves as the analytics layer for financial services. Plaid’s data analytics solutions deliver faster, safer onboarding, credit decisioning, payments, and anti-fraud. Plaid works with thousands of companies, including fintechs, Fortune 500 companies, and many of the largest banks to empower people with more choice and control over how they manage their money. Headquartered in San Francisco, Plaid’s network spans over 12,000 institutions across the U.S., Canada, U.K., and Europe. To learn more, please visit plaid.com.

EMEA and the UK’s fastest-growing fintech unicorn celebrates fifth anniversary, announcing landmark product developments at inaugural Zilch Summit in London

Zilch Intelligent Commerce is a deep AI data intelligence platform for retailers to drive real-time hyper personalisation, tracking and predictive sales performance at scale

Zilch Pay will enable one-click rapid checkout and reduce cart abandonment

London, 9 October 2025 – Zilch, the consumer payments platform powering the future of commerce, today unveiled milestone product developments marking the next phase of its exponential growth.

At its first ever Zilch Summit, bringing together over 150 leading retailers, technology and industry experts, the business unveiled Zilch Intelligent Commerce – an AI powered data intelligence platform for retailers and brands to dramatically increase their return on ad spend when working with Zilch. The business also announced it is set to launch Zilch Pay in H1 2026, providing users with one-click rapid checkout to reduce friction at payment and boost conversions.

These announcements come as Zilch celebrates its five-year anniversary as EMEA and the UK’s fastest-growing fintech unicorn. Since launch, the company has surpassed 5 million registered customers and generated over £5 billion in Gross Merchandise Value (GMV).

Zilch Intelligent Commerce: unmatched data to increase return on ad spend (ROAS)

Zilch holds one of the most comprehensive sets of first-party spend data in the market, fuelled by industry leading utilisation and engagement – customers open Zilch’s app more than 25 times every month, pay with Zilch almost 60 times a year, and its most engaged users now do so daily.

Bringing retailers the ability to now track 100% of the customer sales journey online and offline,Zilch Intelligence Commerce transforms this unmatched live engagement data into real-time insights, based on customers’ entire shopping habits and histories across thousands of merchants. The AI-powered platform then enables retailers to automate targeting the right customers, at the right time, with the right offers like never before to dramatically improve ROAS. This power of personalisation is key, with research from Zilch[1] showing that 71% of UK consumers have made a purchase after receiving a personalised advert or recommendation.

Since going live with its BETA offering with more than 20 leading brands and retailers earlier this year, Zilch Intelligent Commerce continues to deliver outsized value. A major grocer saw average customer spend rise by 55%, while another grew market share in its category by more than 15% in just 30 days and lifted average order values by nearly 40%. A global travel brand reported 52% of Zilch-powered orders from new customers – almost exceeding its annual acquisition targets in just six months. Since Zilch Intelligent Commerce went live, brands have reported a 20–50% increase in return on ad spend (ROAS), all automatically optimised by Zilch’s AI agents.

As the world of retail enters the new era of agentic commerce, brands continue to face a significant challenge, tracking exactly where their advertising spend delivers real impact. This lack of visibility costs billions in wasted advertising budgets every year – a problem that predates the agentic shift, with 59% of consumers saying they rarely, if ever, see a personalised advert that interests them. This is because too often, critical attribution data is lost along the customer journey. Zilch Intelligent Commerce is changing the way the industry tackles this issue, delivering true full-funnel visibility so brands can predict, identify and optimise every pound spent, whether the purchase path is powered by a person or an AI agent.

Zilch Pay: one-click to convert seamlessly

As part of this next wave of products, Zilch is also announcing the launch of Zilch Pay. Released in H1 2026, the innovative one-click button will see Zilch available for brands at checkout, connecting its app, digital wallet and card.

It will allow consumers to purchase products even more seamlessly, enhancing their shopping experience whilst simultaneously improving conversion rates for brands and reducing cart abandonment.

Philip Belamant, CEO and Co-Founder of Zilch, said: “In just five years, Zilch has transformed how brands and consumers connect – and today marks another major leap forward. With the launch of Zilch Intelligent Commerce and Zilch Pay, we will accelerate our mission by giving retailers and brands full visibility and real-time intelligence to automatically optimise ROAS as campaigns unfold.

Once you’ve seen a Zilch agent pause, rework targeting based on live conversion data, and reallocate budget to maximise performance, the old way of manual campaign management feels archaic. With this breakthrough product, Zilch is set to once again redefine the landscape – bringing consumers closer to the brands they love, and brands closer to the customers that matter most.”

Andreas Andreou, Chief Revenue Officer at Zilch, said: “Zilch Intelligent Commerce is setting a new benchmark for retail performance. It completely reimagines what’s possible for brands, combining exclusive data insights with precision ad placements to deliver unprecedented efficiency and return on ad spend. The results from our trials speak volumes, proving how Intelligent Commerce drives revenue, deepens customer relationships, and unlocks new ones. In a world rapidly moving toward agentic commerce, this capability isn’t just an advantage, it’s essential.”

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Contacts.

Ryan Mendy, Chief Communications Officer: [email protected]

For any Press & Media enquiries, please contact: [email protected]

About Zilch.

Zilch is the London headquartered consumer payments platform making money go further. Launched in 2020 with a mission to eliminate high-cost credit, Zilch offers a new type of payments experience combining flexible ways to pay with meaningful rewards, putting consumers in control of their finances while bringing them closer to the brands they love.

With over 5 million registered customers, Zilch uses its technology to connect its highly engaged user base with retailers and brands helping them acquire customers more efficiently whilst delivering consumers personalised rewards, benefits and discounts. With a valuation of $2 billion and backed by leading global partners including AWS, Deutsche Bank and Visa, the business has rapidly scaled to become EMEA and UK’s fastest-growing fintech unicorn, harnessing the power of credit, AI technology and data to improve financial outcomes for consumers and drive growth through rewiring the economics of global commerce.

Learn more at www.zilch.com.

[1] Zilch Research: 2,500 18+ nationally representative consumers in the UK between 16.04.25-22.04.25

Boriana Tchobanova joins executive team as COO to lead operational scale and further support business’ impressive growth trajectory

The Fortune 100 hire highlights Zilch’s ability to continually attract top industry talent

Hire follows Mark Wilson, BlackRock main Board Director, joining Zilch as Independent Non-Executive Director

Comes as Zilch also appoints leading PR and Capital Markets Advisory firm, MHP Group

London, 25 September 2025 – Zilch, the London-based fintech transforming the way people pay, today announces the appointment of Boriana Tchobanova as its Chief Operating Officer (COO) as it continues to strengthen its world-class management team.

Tchobanova joins from American Express Global Business Travel, where she served as Chief Transformation Officer, leading the business’ post pandemic recovery and industry transforming M&A, and paving the way for its successful multiple billion-dollar IPO in 2022. Prior to this, Boriana spent almost 15 years with American Express across multiple senior roles in strategy, transformation and operations, including as COO of the company’s digital business.

This appointment comes on the heels of Zilch doubling revenues to £110 million for the year ending March 2025 – marking a fourth straight year of 100% growth – with gross profit surging 143%. Zilch was recently recognised as EMEA’s fastest-growing tech unicorn by Deloitte and ranked the UK’s fastest-growing $1bn+ fintech by both the Financial Times and The Sunday Times. This impressive growth trajectory has seen the business attract a wide range of industry leading talent to turbocharge the next stage of its journey. Tchobanova’s appointment follows the appointment last year of Mark Wilson, BlackRock main Board Director and former CEO of FTSE 100 insurer Aviva, to the Board.

Tchobanova will work closely with the CEO and business line leaders to drive operational excellence, transformational change and strategic delivery. Bringing her two decades worth of Fortune 100 experience, she will work with the team to deliver major initiatives that will support the organisation’s growth, unlock new revenue opportunities and improve efficiencies.

Philip Belamant, CEO and Co-Founder of Zilch, said: “Zilch has achieved exponential growth over the past five years by pioneering a model that delivers better outcomes for consumers while building very strong operating leverage. This puts us in a powerful position as we enter the next phase of our journey, scaling a business built to stand among the most significant players in global finance. Attracting leaders from major incumbents is always a positive sign, but the real test is finding those who can bring deep institutional knowledge without being held back by the cultures, technologies or beliefs of those very institutions. We believe Boriana is one of those rare people, and I’m delighted to welcome her as we shape the future of Zilch.”

Commenting on her appointment, Boriana Tchobanova said: “Zilch’s mission to eliminate the high cost of consumer credit for the mass-market and accelerate financial inclusion through advanced technologies is deeply meaningful to me. In just five years, the company has delivered record-breaking growth and is now building a category-defining business. The next phase – launching bold, customer-centric product innovation, pursuing transformative M&A and preparing for a potential listing – will demand operational excellence at scale. I’m supercharged to join Phil and his exceptional team for the road ahead.”

Zilch has also appointed industry leading, full-service communications agency, MHP Group, who will deploy its specialist advisors across strategic communications, public affairs, creative campaigning and capital markets advisory. Its Financial Services team has supported fast-growth, pre-IPO fintechs on their journeys to going public, including Coinbase and Airwallex, with its Capital Markets and Corporate Advisory team ranked as one of the leading communications advisers.

Alex Bigg, CEO of MHP Group commented: “We couldn’t be more excited to be working with Zilch, the UK’s fastest growing fintech unicorn. The business is on an extraordinary growth trajectory with ambitions of becoming a listed business. MHP Group has a long history of working with some of the most exciting high-growth private businesses and major listed brands, and our unrivalled depth of expertise and specialisms will see us support Zilch as it continues to build something truly powerful.”

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Contacts.

Ryan Mendy, Chief Communications Officer: [email protected]

For any Press & Media enquiries, please contact: [email protected]

About Zilch.

Zilch is a London-based, ad-enabled payments technology company with a vision of eliminating the high cost of consumer credit – for good. Established in 2018 and launched in 2020 in the UK, Zilch was created on first principles to rewire the economics of credit, advertising and merchant-consumer engagement. Zilch is the creator of the world’s first direct-to-consumer, ad-subsidised payments network (ASPN). It combines the benefits of debit, credit, and savings in a single, intelligent platform, connecting people (buyers) in real time with the world’s retailers (sellers). Powered by a proprietary first-party data engine, Zilch delivers unmatched value to both consumers and marketers – while generating profitable revenue through its vertically integrated model. With over 5 million registered customers and growing, Zilch gives people the freedom to pay anywhere – online or offline – and earn up to 5% cashback on ‘Pay Now’ debit purchases or spread payments interest-free over six weeks or three months. It also helps them build their credit profiles with the major agencies, all under the protection of FCA regulation. In under five years, Zilch has saved its customers over £750 million in fees and interest.

Founded by Philip Belamant, Sean O’Connor, and Serge Belamant, Zilch is transforming the multi-trillion-pound worlds of advertising, data, and payments. Just 14 months after its public launch, Zilch reached a valuation of $2 billion in 2021 – making it Europe’s fastest fintech to reach double-unicorn status at the time. By 2025, Zilch was named the fastest revenue-growing tech unicorn in the UK and EMEA (Deloitte, Financial Times, The Sunday Times), with a £145 million annual revenue run rate and more than £4 billion in retail sales to date. Backed by a total securitised debt facility of £400m – led in 2024 by Deutsche Bank and two of the world’s largest funds – Zilch can unlock £10bn in annual merchant commerce. From becoming FCA-regulated pre-launch, to pioneering a new credit-reporting model across the UK’s leading credit reference agencies, to launching its proprietary Financial Media Network (FMN) with AI technologies, finance and infrastructure from AWS, Deutsche Bank, and Visa, Zilch is defining a new global category – Ad-Enabled Payments: a next-generation consumer platform built to help accelerate and transform the lives of hundreds of millions of people seamlessly and securely ‘spend with benefits’ every time they pay anywhere in the world.

Learn more at: www.zilch.com

We’re proud to share that Zilch has been named by CNBC as one of the Top FinTech Companies in the UK for 2025.

This recognition follows our inclusion in July on CNBC’s global “World’s Top 250 FinTech Companies: 2025” list – for the second consecutive year.

🔗 Read the full report

Zilch has been recognised for the second consecutive year on CNBC’s “World’s Top 250 Fintech Companies: 2025” list.

In collaboration with Statista, CNBC analysed over 2,000 global FinTechs across eight categories using nine key performance indicators, including revenue, users, and total funding raised.

This recognition follows a transformational year for Zilch, during which we surpassed five million customers, achieved quarterly profitability, and continued to scale rapidly. We’re proud to be recognised alongside other global industry leaders, including Checkout.com Revolut, Stripe, Tencent, Wise, and Visa.

A huge thank you to our incredible team, partners, and stakeholders helping us achieve our vision to eliminate the high cost of consumer credit – for good.

Read the full report and insights here.

London, 17 June 2025 – Zilch, the trailblazer behind the Ad-Subsidised Payment Network (ASPN), has officially joined The Affiliate & Partner Marketing Association (APMA) – a move that underscores its long-term commitment to driving innovation in the affiliate and partner marketing space.

This membership is a marker of intent with Zilch here to stay as a technology-first disruptor in an industry undergoing profound transformation.

In the recently launched ‘2025 State of the Affiliate Nation’ report by the AMPA, affiliate marketing continues its upward trajectory, with brands spending an estimated £1.7 billion in 2024 – a 9% increase year-on-year. Zilch’s ASPN, however, is growing at a significantly faster pace, with a yearly growth rate of 75%, positioning the company as one of the fastest-scaling affiliate players in the UK.

Today, Zilch powers partnerships with over 5,000 brands, including Tesco, Expedia, Just Eat, JD Sports, and eBay – delivering unparalleled performance, measurement, and real-time customer acquisition at scale.

Andreas Andreou, Chief Revenue Officer at Zilch said of the partnerships, “We’re proud to join APMA not as a signal of arrival, but as a sign of our investment in this channel. Affiliate and partner marketing is a core pillar of the future of advertising. With ASPN and AI, we’re building a Financial Media Network, combining media, data, payments, and performance marketing to drive measurable, incremental value for both merchants and consumers in a way that drives genuine incremental value for retailers – and our technology is only accelerating.”

Kevin Edwards, Founder & Director of The Affiliate & Partner Marketing Association, added: “Zilch is doing something different – and doing it fast. Their model sits at the convergence of FinTech and marketing. Some of the biggest growth we’re seeing in the industry is in finance and tech and we’re excited to welcome such a forward-thinking player into the APMA community.”

As consumer acquisition, advertising, and payments converge, Zilch is cementing its role not just as a participant, but as a category-shaping force within affiliate and partner marketing.