The Zilch Virtual Mastercard

You are pre-approved
£50–£800 credit limit
Pay in 4 over six weeks with no late fees
Pay in 1 and get up to 5% in Zilch Rewards
Use anywhere Mastercard is accepted

18.1% APR Representative*

The virtual
Zilch Mastercard.

Earn Rewards with Pay in 1

Get up to 5% back in Zilch Rewards when you shop online by searching our app for your chosen store and enabling your card for Pay in 1 before checkout.

You’ll also receive 0.5% back in Zilch Rewards when you use Zilch Anywhere and Tap and Pay in-store.

Split the cost with Pay in 4

Check out with Zilch for free at thousands of stores online, including Amazon and eBay.

You can pay in 4 anywhere else – in-store or online – for a small fee, including when you pay with Apple, Samsung or Google Pay.*

*18.1% APR Representative.

Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. 18.1% APR Representative (fixed) based on total spend: £240 (+£2.50 fees). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply

Build your credit score.

We report to credit reference agencies, which means you could improve your credit rating simply by using us regularly and repaying on time.

Learn more


Pay 25% upfront.

2 weeks later.

Autopay 25%.

4 weeks later.

Autopay the next 25%.

6 weeks later.

Final 25%. You’re done.

Zilch everywhere.

Amazon, Nike, ASOS, Adidas, Iceland, Just Eat, Sports Direct…

Shop at all your favourite brands.

There’s no need!

Wherever you can use Mastercard,
you can use Zilch. Simple.

Tap and Pay too.

Whether on the high street, in a restaurant or at the hairdressers, you can Tap and Pay with Zilch.


With a capital ‘R’.

Stay on top of it.

With our app it’s simple and easy to stick to your budget.

Tailored to you.

Connect your bank account via Open Banking so we can give you a more affordable personal spend.

Security comes first.

We are PCI-DSS Compliant and protect your account by using:

  • Enhanced ID verification
  • Multi-factor authentication
  • Data encryption

Join more than
3 million customers.

“Nice and easy. You are always in control.
Should have been about years ago.” Cheryl Chamberlain


“This app is amazing. I love it! ” James Bird


“This is a great way to do your
shopping. Easy to set up. So happy.” Kimberly Chapman



Rewarding everyone.

Last year we rewarded customers with over £6.5M in Zilch Rewards.

The lowdown.

Be part of the most happening events around you. We’ll keep you in the know with the hippest hangouts, trendiest pop-ups and shopping destinations.

Explore now

Follow us!

Make sure you give us a follow on Instagram for our latest news, competitions and lots of feel good stuff.

Got more questions?

How does my available spend work?

We’re all about responsible spending, why is why you have a balance limit. This measure is in place so you won’t overspend.

Your available spending limit will be restored each time you pay off a purchase in full (not when you make single payments). For example, if you purchased something for £40, your available spending limit will be restored once you pay back the full £40 in 4 instalments.

How to contact Zilch?

Trying to contact us? Here's how you can!

Please visit our Help Centre here.

If you can’t find the answers there, don’t worry. We’re on live chat ready to answer your questions from 8am to 8pm Monday to Sunday.

Once logged into your app, click on the options menu in the top right-hand corner and select 'Help'.

What happens to my payments when I refund an order?

We all buy things but change our minds. And the great thing is that with Zilch getting a refund is hassle free.

Refund your order as you normally would online or in-store. As soon as we receive your refund from the store, we will check whether you have an outstanding balance on your purchase.

Full Refunds:

If you’ve returned your entire order and the full order has been refunded, all future payments will be cancelled and any payments made will be refunded.

Partial Refunds:

If you’ve returned some items in your order and received a refund, we’ll apply this to your instalments to reduce future payments. If your partial refund is larger than the balance you have left to pay, then we’ll refund you the difference. Generally, refunds are applied starting with your final payment, working backwards to earlier payments.