Two ways to
Zilch. Anywhere.

Buy now, pay later over 6 weeks with 0% APR 
and 0 fees. Or pay now and get 2% cash back.

Download the free Zilch app.

Download Now

The virtual Zilch Mastercard

Shop now, pay later with 0% APR and 0 fees.

Split your payments into 4 installments anywhere with 0% APR and 0 sign up fees, 0 late fees and 0 overdraft fees.

Pay now and earn 2% cash back.

Pay in full and instantly get 2% back in Zilch Rewards.

Pay in 4 over 6 weeks.

You pay part of your purchase at checkout, then the rest over 6 weeks. Ideal for bigger buys, or if you just need a little extra time.

The first installment payment varies between 25% and 50%.

Pay 25% or 50% of your purchase upfront.

Your remaining balance will be split into 3 installments every 2 weeks.

Your next payment is 4 weeks after checkout.

6 weeks after checkout, you’re done!

Zilch everywhere online.

Amazon, Target, Nike, Sephora, Walmart…

Shop at all your favorite brands and check
out with the virtual Zilch Mastercard
anywhere online.


There’s no need!

Wherever you can use Mastercard,
you can use Zilch. Simple.

Pay in 1 and get 2% cashback.

Check out using “pay all at once” to get instant 2% cash back in Zilch rewards.


With a capital ‘R’.

Stay on top of your payments.

With the Zilch app it’s simple and easy to stick to your budget.

Tailored to you.

A spend limit that is tailored for 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

Join over


customers globally.



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


The Zilch blog.

Check out our Zilch shopping guides to stay up to date with the latest trends and experiences.

Follow us!

Make sure you give us a follow on Instagram for our latest news, competitions and lots of feel good stuff.

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