With Zilch, you can shop wherever Mastercard is accepted. The app allows you to easily manage your payments and more.
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.
4 simple steps to get you going.
Once you’ve downloaded the Zilch app, sign up by hitting the ‘Get started’ button.
We just need a few details including your name, address, phone number, date of birth and email. Then agree terms and conditions.
We’ll ask you for a few more details:
We’ll immediatley show you your available spend for Pay in 4 purchases.
You can link any UK-issued debit card to your Zilch Virtual Mastercard as long as the account is in your name.
We’re all about responsible spending and we have this measure in place to ensure that you are the only one using your account.
You cannot link the following card types with your Zilch Virtual Mastercard:Debit cards from outside the UKCorporate cardsCredit cardsPrepaid credit cardsGift cardsProxy cards
Yes! Based on how you’ve used Zilch, we may choose to upgrade certain users so that they have a higher available spend. 😀
When we upgrade, we look at your payment history. The more often you use Zilch and the more you pay on time, the greater your chances of having a higher available spend.
Now you're ready to Tap and Pay in-stores!