Zilch launches its largest marketing campaign to date, with a multi-city media takeover highlighting all the extra benefits that customers get when they pay with Zilch
The campaign includes a media first with Metro, wrapping the paper for every day of the week, highlighting a different benefit of shopping with Zilch
The company has now surpassed 5 million customers (1 in 7 UK working adults) and saved its customers over £750 million in interest and fees accelerating Zilch’s mission to eliminate the £15 billion annual burden of high-cost credit for UK consumers by traditional credit providers
London, 12 May 2025 – Zilch, the ad-enabled payments company, has today launched its largest marketing campaign to date: “Spend with Benefits.” The campaign champions a new standard in consumer value – positioning Zilch as the payments provider offering the most benefits of any in the market today.
Marking the brand’s continued growth and commitment to helping consumers pay smarter, the new campaign launches with a multi-channel, multi-city media plan. It features Zilch’s second full advertising takeover of Metro newspaper, including daily cover wraps throughout the week – a world first for any newspaper. The campaign also includes a takeover on the MailOnline homepage, Apple News, and a range of digital and Out Of Home (OOH) formats across the country.
The campaign will see the Zilch brand in some of the UK’s most iconic OOH advertising sites including Old Street, Euston, Waterloo and Victoria Station.
“There isn’t just one reason to spend with Zilch – there are loads,” said Kirsty Spickett, Zilch’s Marketing Chief. “We offer customers multiple advantages at once: regulatory protection, instant rewards, interest-free flexibility, the ability to snooze payments, and credit-building tools – all with no hidden fees. No smoke, no mirrors – just better outcomes. That’s our secret sauce. Because when you pay with Zilch, you get it all. There’s something positive in every single payment and every transaction. That’s our differentiation. Hitting 5 million customers, means 1-in-7 working adults in the UK now have a Zilch card. Traditional credit products extract value – Zilch returns it.”
This landmark campaign arrives as Zilch surpasses 5 million customers and reports £750 million in cumulative consumer savings on interest and fees. Zilch was also recently named the fastest-growing UK FinTech Unicorn in 2025, by The Financial Times and The Sunday Times.
Philip Belamant, Co-Founder and CEO of Zilch, added: “We’re solving a £15 billion unspoken high cost credit problem for consumers in the UK. This first of its kind campaign is both a creative and commercial milestone, and I’m proud of the entire team for earning our way here. In five years, we’ve saved customers over three quarters of a billion pounds, never charged a late fee, hit quarterly profitability, and driven over £4 billion in sales for brands – cutting their advertising costs by 50% and converting sales at 10–20x the rate of Google and Meta. Helping our revenues double YoY.
Today, Zilch is re-inventing credit from the ground up. By using the latest AI technologies, we’re not just underwriting smarter – we’re helping brands deliver real-time, personalised offers at scale. And with every payment, we’re turning advertising revenue into something meaningful: lower costs and better rewards for our customers. It’s a smarter, more human way to do credit and drive commerce.”
Empowering every payment.
The “Spend with benefits” campaign champions a new standard in consumer value – positioning Zilch as the payments provider offering the most benefits of any in the market today.
From instant Rewards and flexibility to transparency and credit-building, Zilch empowers customers to get more out of every transaction – turning everyday spending into a consistently positive experience.
Zilch benefits include:
- Monthly credit reporting to the three major UK credit bureaus
- Consumer protection – FCA Regulated
- Pay over time anywhere, always interest-free
- Pay with Credit or Debit (switchable anytime)
- Flexible tools like “snooze your payments” and three payment options
- No late fees. No hidden charges – ever
- No revolving credit
- Unlimited, instant rewards up to 5% when you Pay now
- Exclusive daily offers from brands
- Application and decision in minutes
Media-first creativity meets bold brand thinking.
Zilch continues to lead the way in media innovation. With a full print + digital + video takeover of the Metro – a UK-first that the brand is repeating due to popular impact – the campaign brings benefit-driven messaging to every commuter in London and Manchester.
Further reach comes via Mail Online takeovers, Apple News display, and expansive OOH placements across the UK, with iconic media real estate in Euston, Waterloo, Old Street and Victoria helping to bring the Zilch story to life.
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Contacts.
Zilch – Ryan Mendy, Chief Communications Officer: [email protected]
For any Press & Media enquiries, please contact: [email protected]
For more information, visit: www.zilch.com
About Zilch.
Zilch’s vision is to eliminate the high cost of consumer credit. For good.
Zilch is a multi-award-winning pioneer of the world’s first direct-to-consumer, ad-subsidised payments network (ASPN). Leveraging its unique, vertically integrated, first-party-data business model, Zilch sets itself apart from the incumbent FinTech industry with a profitable global revenue source, bringing unrivalled value to customers and marketers alike. Today Zilch is revolutionising the $50 trillion advertising and payments industries by merging the very best of debit, credit, and savings.
Co-founded by Philip Belamant, Sean O’Connor, and Serge Belamant, Zilch provides millions of customers the freedom to go anywhere in the world (online or offline) and, when they pay, earn up to 5% cashback & rewards on debit payments (‘Pay Now’) or spread interest-free credit repayments over six weeks or three months. In the process, Zilch helps customers build their credit profiles with the major credit agencies. Within 44 months of launch in 2020, Zilch amassed more than 4 million registered customers.
- As of January 2025, Zilch had surpassed 5 million customers, hit a £145m annual revenue run rate and exceeded £3.6 billion in total sales to date for retailers.
- In October 2024, Zilch announced it had increased its securitised debt deal to £150m – with a total facility of £400m – led by Deutsche Bank and two of the world’s biggest funds, enabling Zilch to drive £10 billion in annual commerce for retailers.
- In September 2024, four years after its public launch, Zilch announced that in July 2024 it had achieved first-month profitability in record time while surpassing £100 million of revenue run rate, keeping pace with European FinTech giants like Revolut, Starling Bank, and Monzo.
- In 2023, Zilch launched its proprietary ASPN service, which allows merchants worldwide instant connection with Zilch’s first-party-data, closed-loop network of millions of high-intent customers, while offering customers personalised savings, deals, and discounts codified to their habitual daily spend.
- In January 2023, Zilch struck a ground-breaking reporting agreement with the UK’s prime credit reference agencies, transforming the UK lending ecosystem by enabling all adults to build their credit records using interest-free credit rather than high-cost revolving credit products.
- Since April 2020, Zilch has been regulated by the Financial Conduct Authority (FCA), obtaining a consumer credit licence through the Regulatory Sandbox Programme.
Driven by innovation and a commitment to excellence, Zilch is setting new benchmarks in the industry to create a more inclusive and efficient ecosystem, empowering millions of users to budget and manage their financial lives more effectively and transparently.