Zilch
Zilch is a consumer payment app and card offering payment options, Rewards, and credit.
What Zilch is
Zilch is a consumer payment app and card offering payment options, Rewards, and credit. Customers can pay now, spread payments over six weeks, or pay over three months, subject to eligibility and fees; listed repayment terms also include six and 12 months. The app works wherever Mastercard is accepted, and customers can add it to Apple Pay or Google Pay. Rewards can be earned on Pay now purchases and used toward purchases. Standard and Extra list up to 5% Rewards; Plus lists up to 6%, with different rates by purchase type. Standard is free, in-app only, and has a £4.99 card fee. Extra costs £2.99 per month, and Plus costs £4.99 per month; both include a physical card. Eligible Extra or Plus customers may borrow up to £100 through Advance for a £3 processing fee, with bank-account connection required for eligibility. Zilch says credit is for UK residents aged 18 or older and is subject to status. The company was founded in 2018 and is headquartered in London.
Good
- Works wherever Mastercard is accepted.
- Apple Pay and Google Pay are supported.
- Rewards can be used toward purchases.
- Extra and Plus include a physical card.
Watch out
- Credit is subject to status and eligibility.
- Standard is in-app only.
- Standard has a £4.99 card fee.
- Advance charges a £3 processing fee.
Who it suits
Zilch may suit eligible UK residents aged 18 or older who want to pay now or spread payments and use Rewards. Its plans also offer physical cards and, for eligible Extra or Plus customers, Advance.
Verdict
Zilch offers several payment schedules, Rewards, and credit through its app and card. Compare plan fees and restrictions, and note that credit and Advance eligibility are conditional.
Plans and prices
From Zilch's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Zilch Standard | Free | Up to 5% Rewards · in-app only · £4.99 card fee · Free |
| Zilch Extra | £2.99 a month | Up to 5% Rewards · everywhere · physical card included · £2.99/month |
| Zilch Plus | £4.99 a month | Up to 6% Rewards · 1% for Pay over time in-app · 0.25% outside app · physical card included · £4.99/month |
The facts
Each one read from Zilch's own pages, with the date it was checked.
What it does
- Advance limit
- Eligible customers on Extra or Plus may borrow up to £100 through Advance, with a £3 processing fee.checked 7 Oct 2026
- Customer support
- Zilch offers support seven days a week by in-app live chat from 9am to 6pm and by phone from 9am to 5pm.checked 7 Oct 2026
- Eligibility
- Zilch states that its credit is subject to status and is for people aged 18 or over who are UK residents.checked 7 Oct 2026
- Open Banking
- Zilch uses Open Banking income verification to unlock smarter offers, and says Advance eligibility requires connecting a bank account.checked 7 Oct 2026
- Payment options
- Customers can Pay now, pay over 6 weeks or pay over 3 months, subject to eligibility and fees.checked 7 Oct 2026
- Regulation
- Zilch Technology Limited says it is authorised by the Financial Conduct Authority for payment services and is authorised and regulated by the FCA.checked 7 Oct 2026
- Rewards
- Customers can earn up to 5% back in Rewards on Pay now purchases and use Rewards toward purchases.checked 7 Oct 2026
- Security certifications
- Zilch says it is PCI DSS Level 1 certified, annually certified to ISO 27001:2022, and passed a SOC 2 Type 2 audit in June 2026.checked 7 Oct 2026
- Shopping access
- The app can be used wherever Mastercard is accepted, according to Zilch’s about page.checked 7 Oct 2026
- Spending limit
- The site advertises credit from £50 to £4,500, subject to status.checked 7 Oct 2026
- Wallet integrations
- Zilch says customers can add it to Apple Pay or Google Pay for tap-and-go shopping.checked 7 Oct 2026
- What it does
- Zilch offers flexible ways to pay, Rewards and credit to consumers through its app and card.checked 7 Oct 2026
The company
- Founded
- 2018checked 28 Sep 2026
- Headquarters
- London, United Kingdomchecked 28 Sep 2026
