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.
We report to credit reference agencies, which means you could improve your credit rating simply by using us regularly and repaying on time.
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.
Get handy updates of upcoming repayments and a clear history of all your purchases with one tap.
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:
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'.
When you use your Zilch card to enter into a credit transaction and pay a fee and or Snooze is enabled.
Financial Ombudsman Service (FOS) Rights When your complaint relates to a credit transaction where you paid a fee and or Snooze is enabled. You have FOS rights and can approach them within six months of our final response should you be dissatisfied with it. Our final response letter will make this option clear to you.
Section 75 Section 75 of the Consumer Credit Act provides you with additional protection for credit card purchases costing between £100 and £30,000. If you have a claim for breach of contract or misrepresentation against the supplier of the goods or services, Section 75 gives you the same claim against Zilch.
When you use your Zilch card to enter into a credit transaction and its fee free.
Financial Ombudsman Service (FOS) Rights When your complaint relates to a credit transaction, and it was fee free. You will not have FOS rights should you be dissatisfied with our response. Our complaint response letter will not include reference to the FOS.
Section 75 For these transactions, you have no rights under section 75 of the Consumer Credit Act. So, where you have an issue with the goods or services you have purchased using credit provided under this unregulated agreement, you must contact the retailer directly to resolve any dispute.
