Competition Terms The terms set out below apply generally to the competitions that Zilch operates from time for time. For terms relating to a specific competition please scroll further below. Our prize draws are open to all UK residents aged 18 years or over, except our employees, their families, agents or any third party directly associated with administration of the prize draw. The prize draws are free to enter unless stated otherwise. Each prize draw shall be open for a specific time period. Entries received after this time period will not be counted or considered. We accept no responsibility for any incomplete entries or any entries not successfully completed due to a technical fault of any kind. A winner for a prize draw will be chosen by a random draw or, where there is any element of subjective judgment, by an independent judge, on the day of each draw. The winner will receive the prizes advertised on Zilch’s social media, via email or mailshot, or via an approved third party’s social media that relates to the competition. The winner will be notified by email or via social media (using the details provided at entry) as soon as practicable after the date of the relevant prize draw and must provide a postal address, email address and contact number to claim their prize. If a winner does not respond to Zilch within 5 days of being notified, then the winner’s prize will be forfeited, and we will be entitled to select another winner in accordance with the process described above. The prize will be sent to the winner by post within 14 days of being notified of their win. If the prize is a voucher/Zilch credit it will be sent via email within 14 days. The prize for the winner is non-exchangeable, non-transferable and no cash alternative is offered. Our decision regarding any aspect of a prize draw is final and binding and no correspondence will be entered into about it. We must either publish or make available information that indicates that a valid award has taken place. To comply with this obligation for social competitions, we will post the name of any winners to social media on the day after each prize draw is carried out. Additionally for all competitions we will send the surname and county of prize winners to anyone who contacts us via our customer service team (via our purple support button located at the bottom of our FAQ’s page). If you object to such information being published or made available, please contact us via our customer support team. In such circumstances, we must still provide the information and winning entry to the Advertising Standards Authority on request. Participants are deemed to have accepted and agreed to be bound by these terms and conditions upon entry. We reserve the right to refuse entry or refuse to award the prize to anyone in breach of these terms and conditions. We reserve the right to hold void, cancel, suspend, or amend the promotion where it becomes necessary to do so Insofar as is permitted by law, we, our agents or distributors will not in any circumstances be responsible or liable to compensate the winner or accept any liability for any loss, damage, personal injury or death occurring as a result of taking up the prize except where it is caused by our negligence, our agents or distributors or that of their employees. Your statutory rights are not affected. Personal data supplied during the course of this promotion will only be processed as set out in these terms and our privacy policy. Each prize draw will be governed by English law and entrants to each prize draw submit to the jurisdiction of the English courts. The promoter of this prize draw is Zilch Technology Limited of 111 Buckingham Palace Road, London, England, SW1W 0SR. Refer a friendRefer a friend to get £5 in Zilch Rewards, and your friend will also get £5 when they register with your referral link. Each successful referral between 10:42am on 06/10/2025 and 12:00pm on 31/10/2025 (the “Promotion Period”) counts as one prize draw entry for both referrer and referee. Ten winning pairs (20 people) will each receive an iPhone 17 (256GB Black). Rewards are credited within 1 day of successful registration. Winners will be chosen at random and contacted within 7 days after the Promotion Period. Limit: 1 iPhone per customer. iPhones will be ordered from Apple; delivery times may vary. Promoter: Zilch Technology Limited. Full Referral Terms and Conditions apply. Book your Christmas delivery slot competition. Win 1 of 5 £100 Morrisons Vouchers.Customers will be automatically entered into the Morrisons prize draw if a Christmas Morrisons Delivery slot is booked by the customer in December, using Zilch when activating their card at Morrisons online, between 10:00 on 17/10/2025 and 23:59 on 31/10/2025. Minimum spend of £25 required. The promoter will randomly select 5 winners on or before 7/11/2025 who will be emailed on or before 7/11/2025. Winners will receive one of five £100 Morrisons vouchers on or before 12/11/2025. Promoter: Zilch Technology Limited. Don’t forget milk… and your £5 RewardsZilch customers will receive £5 in Zilch Rewards when they make a purchase with their physical card in-store three times between 23:59am on 31/10/2025 and 11:59pm on 14/11/2025. Customer must have received the promotional email entitled “Don’t forget milk… and your £5 Rewards” to be eligible. No minimum spend. Rewards will be awarded before 21/11/2025. Promoter: Zilch Technology Limited. Zilch X Samsung Pay Spend to Win September 2025Competition closes 23:59 on 15/11/2025. Three winners will be chosen at random who shop with their Zilch card through Samsung Pay. 1 checkout is equal to 1 entry. Customer must have received the promotional email entitled “Win a Galaxy Z Fold7” to be eligible. Minimum spend: £15. Prizes: 3 X Galaxy Z Fold 7. Promoter: Zilch Technology Limited. Zilch X Samsung Pay Wallet Add Competition September 2025Competition closes 23:59 on 15/11/2025. Three winners will be chosen at random who add their Zilch card to their Samsung Pay Wallet. Customer must have received the promotional email entitled “Win a Galaxy Z Fold7” to be eligible. Prizes: 3 X Galaxy Z Fold 7. Promoter: Zilch Technology Limited. Papa Johns Get 50% offApplies to delivery offers only. Not to be used in conjunction with any other offer. Terms and conditions apply, see site for details. Excludes drinks and ice creams. No minimum spend. In participating stores only. Offer ends Sunday 7th December 2025. Enable your card on your next shop for £5 in RewardsZilch customers will receive £5 in Zilch Rewards when they enable their card via the Zilch app and make a purchase between 04:00pm on 26/11/2025 and 11:59pm on 30/11/2025. Customers must complete their checkout within two hours of enabling their card for their chosen merchant. Customer must have received the promotional email entitled “Get £5 back on your next shop” to be eligible. No minimum spend. Rewards can only be earned once per customer, and will be awarded before 05/12/2025. Promoter: Zilch Technology Limited. Green Friday Competition: £10k giveaway. 20 Zilch customers to win £500 in Zilch Rewards.Customers will be automatically entered into the Zilch Green Friday prize draw if a purchase is completed by the customer using Zilch, when activating their Zilch card at any retailer online, between 06:00am on 28/11/2025 and 23:59pm on 01/12/2025. Minimum spend of £25 required.Entrants who complete a purchase at any of the ‘top brands’ listed below during the above time will be automatically entered into the competition twice. Every purchase counts as one entry. Minimum spend of £25 required regardless of retailer chosen. TEMU Currys eBay Nike Wayfair On Running Iceland Sainsbury’s Pandora Sportsdirect Cult Beauty LEGO Boohoo Dunelm Argos Myprotein LOOKFANTASTIC AliExpress QVC Nord Apple Lovehoney M&S Flannels Frasers Alternative Airlines Ray-Ban New Look Next Creed boohooMAN Selfridges The Promoter will randomly select 20 winners on or before 09/12/2025 who will be emailed no later than 23:59pm on 12/12/2025. Selected winners will receive one credit of total £500 in Zilch Rewards in their Zilch account on or before 19/12/2025. A winner is only entitled to 1 of the total 20 possible ‘£500’ credits in Zilch Rewards. Winners cannot receive multiple ‘£500’ credits in Zilch Rewards. Promoter: Zilch Technology Limited. Terms and Conditions apply – see here for more details.