Zilch
Ranked in Buy Now, Pay Later Platforms·Free plan·paid from £2.99/mo
About
Zilch is a consumer payment app and card offering ways to pay, Rewards and credit. Depending on eligibility and fees, customers can pay now, spread payment over 6 weeks or pay over 3 months; listed repayment terms also include 6 and 12 months. Zilch advertises credit from £50 to £4,500, subject to status. Its app can be used wherever Mastercard is accepted, and customers can add it to Apple Pay or Google Pay for tap-and-go purchases. Rewards can be used toward purchases: Standard and Extra offer up to 5%, while Plus offers up to 6%, with Plus rates varying by purchase type. Standard is free, in-app only and has a £4.99 card fee. Extra costs 2.99 GBP per month and Plus costs 4.99 GBP per month; both include a physical card. Eligible Extra or Plus customers may borrow up to £100 through Advance for a £3 processing fee, and eligibility requires connecting a bank account. Zilch says credit is for UK residents aged 18 or over and subject to status. The company was founded in 2018 and is headquartered in London.
Who it is for
It suits eligible consumers seeking app- or card-based payment options and Rewards. Credit is stated to be for UK residents aged 18 or over, subject to status and applicable fees.
What is good
- Works wherever Mastercard is accepted, according to Zilch.
- Supports Apple Pay and Google Pay.
- Offers Rewards toward purchases.
- Lists repayment terms from 6 weeks through 12 months.
- Support is available seven days a week.
What to know first
- Standard is in-app only.
- Standard has a £4.99 card fee.
- Credit is subject to status and eligibility.
- Advance requires bank connection and has a £3 processing fee.
Verdict
Zilch combines payment options, Rewards and conditional credit, with plan features and rates that vary. Check eligibility, fees and plan terms before relying on a repayment option or Advance.
Compared on buy now, pay later platforms
Facts
- What it does
- Zilch offers flexible ways to pay, Rewards and credit to consumers through its app and card.zilch.com · 7 Oct 2026
- Payment options
- Customers can Pay now, pay over 6 weeks or pay over 3 months, subject to eligibility and fees.zilch.com · 7 Oct 2026
- Spending limit
- The site advertises credit from £50 to £4,500, subject to status.zilch.com · 7 Oct 2026
- Shopping access
- The app can be used wherever Mastercard is accepted, according to Zilch’s about page.zilch.com · 7 Oct 2026
- Wallet integrations
- Zilch says customers can add it to Apple Pay or Google Pay for tap-and-go shopping.zilch.com · 7 Oct 2026
- Open Banking
- Zilch uses Open Banking income verification to unlock smarter offers, and says Advance eligibility requires connecting a bank account.zilch.com · 7 Oct 2026
- Rewards
- Customers can earn up to 5% back in Rewards on Pay now purchases and use Rewards toward purchases.zilch.com · 7 Oct 2026
- Advance limit
- Eligible customers on Extra or Plus may borrow up to £100 through Advance, with a £3 processing fee.zilch.com · 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.zilch.com · 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.zilch.com · 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.zilch.com · 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.zilch.com · 7 Oct 2026
Company
- Founded
- 2018zilch.com · 28 Sept 2026
- Headquarters
- London, United Kingdomzilch.com · 28 Sept 2026
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Where it ranks on Inferse
Sources
- zilch.com/uk/· checked 7 Oct 2026
- zilch.com/uk/about-us/· checked 7 Oct 2026
- zilch.com/uk/zilch-advance/· checked 7 Oct 2026
- zilch.com/uk/compliance/· checked 7 Oct 2026
- zilch.com· checked 28 Sept 2026