Pay Zilch.

Pay over 6 weeks with 0% APR, zero fees, zero overdraft fees and zero credit impact when you sign up. Or Pay now and get 2% back in Zilch Rewards instantly.
What’s not to love?

See anything you like? Zilch it.

We have thousands of online stores with zero fees.
And because we’re a Mastercard, you can shop absolutely anywhere else online with a fee of up to $3 for purchases over $10.

Explore brands

Why Pay over 6 weeks?

It’s ideal for bigger buys – or if you just need a little extra time. And it’s simple…

At checkout

You’ll pay either 25% or 50% of your purchase upfront, plus any fees.

We’ll split the rest into three instalments

Make a payment every 14 days so that in six weeks, you’re done. 

Why Pay now?

Get 2% back in Zilch Rewards instantly. Nice, right? Use your Rewards towards your next purchase or save them up for something special.


With a capital ‘R’.

Stay on top of payments.

See all your purchases in the app, pay early whenever you like and always get notified of upcoming payments. 

Tailored to you.

A spend limit that’s tailored to you 
and builds over time as you make your scheduled payments.

Security comes first.

We protect your account by using:

  • Multi Factor Verification
  • Data Encryption
  • Payment Authentication

We’re getting
lots of love.


4.6 / 5.0

“Nice and easy. You are always in control.
Should have been about years ago.” Cheryl Chamberlain


“This app is amazing. I love it!” James Bird


“This is a great way to do your
shopping. Easy to set up. So happy.” Kimberly Chapman


Got more questions?

FAQs Support
What are Zilch Rewards?

Rewards are Zilch’s way of rewarding you, helping you save on your next
One Reward equals one cent. 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!

How do I finish signing up to Zilch?

Here’s what you’ll need:

  • A valid US debit card
  • A US mobile phone number
  • An email address

Also prep these docs:

  • Government issued photo ID
  • Proof of address (needs to be dated within the last 3 months)

P.S. Your proof of address doesn’t need to match your debit card’s billing
address. For example, if you’re at Uni and your debit card is registered at
your non-term time address, no worries —we’ll still accept it!
Lastly, just snap a selfie holding up your photo ID then upload.

What type of cards can be linked to my Zilch Virtual Mastercard?

You can link any US-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
Debit cards from outside the US
Corporate cards
Credit cards
Prepaid credit cards
Gift cards
Proxy cards