Simplicity at
your fingertips.

Two ways to pay and a whole lot of helpful features.

Download the free Zilch app.

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APR 18.1%

Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. Representative APR 18.1% (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

Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. 
T&Cs apply

Two ways to Zilch.

Key features
tailored to you.

Boost your basket.

Anything over your available spend will be added to your first payment at checkout. Pay the rest over 6 weeks.

Zilch and get rewarded.

Get Zilch Rewards when you pay in full or refer your friends! Put them towards your next buy, or save for that special something.

Need more time to make that payment?

Tap Snooze and you’ll get 4 extra days to pay.*

*Snooze usage may incur a small one off fee and may not be accessible to all users.

 

Calculate
a purchase:

0
  
Zilch at 1000s of popular stores online for free, including Amazon and eBay.
A single purchase (£2,000 max)

Credit subject to status, 18+, UK residents only. Representative APR 18.1% (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

Got more questions?

FAQs Support
What are Zilch Rewards?

Rewards are Zilch’s way of rewarding you, helping you save on your next purchases.

One Reward equals one penny. So for example, 234 rewards is £2.34.

You can use your Rewards whenever you want, simply select the Zilch Rewards tab before you enable your card. We’ll then put your Rewards towards your next purchase. Simple.

You can earn Zilch Rewards when you refer a friend and they make their first purchase. You can also get 2% cash back in Zilch Rewards whenever you pay in 1.

Also, remember that Zilch Rewards are non-refundable and any purchases made through rewards cannot be sent back, so spend wisely!

Where can I find my Zilch card details?

To view your Zilch account online, just head to www.payzilch.com, then log in to your account and use the search box to select your retailer. Then tap the green card to view your full card details.

If you have the Zilch App, go to ‘Settings’ and select ‘My Cards’. Then tap the green card to see all your card details.

Is there anywhere I can’t use my card?

You can use Zilch almost anywhere online where Mastercard is accepted.

There are however some goods, digital content, and services where you can't use Zilch.

Items you cannot use Zilch for:

-Adult products and content
-Alcohol
-Cash advances
-Credit card and loan payments
-Coins or precious metals
-Foreign currency
-Gambling
-Gaming
-Gift cards (Outside of Gift Cards By Zilch)
-Illegal items and activities
-Money transferring services
-Narcotics and drugs including paraphernalia
-Virtual currency, including cryptocurrency
-Vouchers
-Weapons, including parts and accessories

Funds will not be provided for the purposes of money remittance, money transfer, or electronic wallet transfer.