The Zilch virtual
Mastercard.

We link directly to your bank account to give you the flexibility to pay over time or pay in full to earn Rewards.
Even better, using our app gets you more deals and higher rewards.
Download the free Zilch app.
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 Representative Example: 22.6% APR Representative (fixed) based on total spend: £230 (+£4.77 fees). Total repayable: £234.77 paid over 6 weeks, 1st payment £119.77, then 3 payments of £38.33 every 2 weeks.
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 Representative Example: 22.6% APR Representative (fixed) based on total spend: £230 (+£4.77 fees). Total repayable: £234.77 paid over 6 weeks, 1st payment £119.77, then 3 payments of £38.33 every 2 weeks.
Paying with Zilch.
Grow with Zilch.

How to 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.

How to up your credit limit.
You could see your credit limit rise with a few simple tasks like linking to Open Banking and making a Pay now purchase. This gives us a better understanding of what you can afford.
Responsible
With a capital ‘R’.

Stay on top of it.
Get handy updates of upcoming repayments and a clear history of all your purchases with one tap.

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 SOC2 licenced and protect
your account by using:
- Enhanced ID verification
- Multi-factor authentication
- Data encryption
Got more questions?
FAQsTrying 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'.
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.
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.