Membership Terms of Use

Zilch General Terms and Conditions  

1. WHO ARE WE? 

Zilch Technology Limited (‘Zilch’) is UK company (Company Number 11488502), and is based at 111 Buckingham Palace Road, London SW1W 0SR.  Zilch provides customers the freedom to shop anywhere (where Visa is accepted) in the world (online or in-store) when they pay using the Zilch card and earn Zilch Rewards on debit or spread interest-free repayments over six weeks and up to three months on credit. 

2. WHAT ARE THESE TERMS?

These general terms and conditions (‘Terms’) apply to your general usage of Zilch and sit alongside and are governed by your Zilch Regulated Credit Agreement and Zilch Account Agreement. They cover how Zilch Plans work and how you can earn Zilch Rewards, as well as any other non-credit related aspects of your accounts with us. By signing up to a Zilch Plan, you agree to be bound by these Terms. Capitilised Terms have the meaning assigned to them in these Terms or the Zilch Account Agreement. 

3. WHO CAN ACCESS THESE SERVICES? 

These Zilch Plans are available to anyone who is an existing Zilch customer over the age of 18 years old, a UK resident (excluding the Channel Islands and Isle of Man), and has an active and unrestricted Zilch credit account.  

4. WHAT ARE ZILCH REWARDS? 

Zilch Rewards can be earned by making debit and credit transactions with your Zilch card, or by referring a friend to Zilch (‘Rewards’). You can use Zilch Rewards for future purchases by using your Zilch card aligned to your debit or your Zilch credit account.   

Earning Zilch Rewards: The table below outlines how Zilch Rewards can be earned, and how you can use them depending upon your Zilch Plan and status. Please note: 

  • Expiry: Rewards will expire 12 months from the date they are earned, unless expressly stated otherwise. 
  • No Cash Value: Rewards cannot be redeemed for cash, nor can they be transferred to any bank account, payment card, or similar financial instrument. 
  • Non-Transferable: Rewards are personal to the account holder and may not be assigned, sold, or otherwise transferred. Rewards may not be combined with rewards earned by or allocated to any other person. 
  • Application to Credit: Rewards may be applied toward amounts owed under your Zilch credit account(s). 

If we have reasonably suspended your use of the Zilch Credit Account or if we have reasonable grounds to believe that you have engaged, or may engage in, any fraud or material abuse related to Rewards, then without limiting any of our other rights, we reserve the right to, in our sole discretion and without notice to you:  

  • suspend your use of your Rewards for such period as we consider appropriate in the circumstances; and
  • take any other such actions which we reasonably consider appropriate in the circumstances, and this may include immediately ceasing your ability to earn further Rewards and/or forfeit your existing Rewards.  

5. WHAT are ZILCH Plans? 

Every Zilch Account is automatically given a Standard Plan and has the option to upgrade to a paid Plus Plan which offers additional benefits such as increased in Rewards. The Plus Plan does not provide access to credit facilities, deferred payment options, or changes to your credit limit.  

If you choose to sign up to a Plus Plan, the monthly membership fee will be taken out of your linked direct debit card starting from the date of your enrolment, unless otherwise stated. If a monthly payment fails, we will attempt to collect the payment again for up to two additional days. If payment is unsuccessful after three attempts, your Zilch Plus Plan may be terminated and your account will revert to a Standard Plan.  

Cancelling your Plus Plan – You can cancel your Plus Plan at any time through the Zilch app. Confirmation will be sent via the app and email. You will retain all the benefits of your Plus Plan up until the end of your current billing period, after which you will revert to the Standard Plan. Payments for Plus Plans are non-refundable and we do not provide refunds or credits for any partial membership periods or unused features. 

Refunds and Reward Reversals – If a Transaction using the Zilch Card is refunded, any Rewards earned will be automatically deducted from your balance at the reward rate applicable at the time of the original transaction. 

6. LEGAL INFORMATION   

Changes to Terms or Plan benefits – We may update these terms or your benefits with 30 days’ notice to you, or sooner if the change is not disadvantageous to you. Your continued use of your Zilch account after any changes indicates your acceptance of the revised terms. 

Communications and Notifications – We may send you service-related updates by email, SMS, or push notification. These may include updates about your membership, Rewards activity, or important account information. You can manage your communication preferences in your app settings. 

Statutory Rights – these Terms do not affect your statutory rights, including rights that you may have in relation to defective goods, digital content or services.  

Limitation of Liability – We do not exclude or limit in any way our liability to you where it would be unlawful to do so. We are not responsible to you for any losses (including indirect and consequential) you suffer as a result of:  

  • Rewards not received due to user error;  
  • unforeseeable events outside of our control, including the acts of third parties;  
  • actions we are obliged to take due to a legal requirement and/or by a regulator;  
  • failed membership payments beyond our control; or  
  • any delays, failures, or other loss or damage resulting form the transfer of data over communications networks and facilities, including the Internet, and you acknowledge that the services we provide may be subject to limitations, delays and other problems inherent in the use of such communications facilities. 

Governing Law – These terms are governed by the laws of England and Wales. 

7. CUSTOMER SUPPORT  
Support is available via in-app chat, email, and telephone. 

  • Hours: Monday to Friday, 9 AM–6 PM (excluding UK public holidays) 
  • Additional help is available for vulnerable customers. 

Version 1.0 Effective from 1st July 2025 

ZILCH  PLANS 

 Standard Plan Plus Plan
 Fee    Free  £3.99 per month 
 Benefits   
Pay Later Rewards1  None  1% when enabling your Zilch Card before checkout2 0.25% for all other Transactions3  
Pay Now Rewards1 2% Minimum  when enabling your Zilch card before checkout4  0.5% for all other Transactions3 3% Minimum when enabling your Zilch Card before checkout4 0.5% for all other Transactions3  
Spending Rewards At certain Merchants in app/website On any Transaction 
Minimum Term  N/A One month  
Cancellation  N/A Cancel anytime for no further charges  

1 Receiving your Rewards – For Pay Later Transactions, the Rewards are credited to your Zilch Account when each Transaction is paid off early in full, or when the final payment due is made on time.  For Pay Now Transactions, the Rewards are credited to your Zilch Account at the time of the relevant Transaction.    

2 Enabling your card – Refers to journeys in our app/website where you have the ability to find a specific Merchant, select “Enable Card” and complete a Transaction with that Merchant.   

3 Other transactions– Refers to all tap & pay transactions via wallet, or where you have not enabled the merchant in app, or the merchant was not found and you choose to make an Anywhere purchase.  

4 Minimum % – Higher reward rates may apply to specific Merchants from time to time, but you will always received the minimum rate. 

Version 1 – Published July 2025