The Zilch virtual
Mastercard.

We link directly to your bank account to give you the flexibility to pay over time or pay in full to earn Rewards.

Even better, using our app gets you more deals and higher rewards.

Download the free Zilch app.

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From 22.6% APR Representative

Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply. Representative Example: 22.6% APR Representative (fixed) based on total spend: £780 (+£14.50 fees). Total repayable: £794.50 paid over 6 weeks, 1st payment £209.50, then 3 payments of £195.00 every 2 weeks.

Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply. Representative Example: 22.6% APR Representative (fixed) based on total spend: £780 (+£14.50 fees). Total repayable: £794.50 paid over 6 weeks, 1st payment £209.50, then 3 payments of £195.00 every 2 weeks.

Paying with Zilch.

Grow with Zilch.

How to build your credit score.

We report to credit reference agencies, which means you could improve your credit rating simply by using us regularly and repaying on time.

How to up your credit limit.

You could see your credit limit rise with a few simple tasks like linking to Open Banking and making a Pay now purchase. This gives us a better understanding of what you can afford.

Responsible

With a capital ‘R’.

Stay on top of it.

Get handy updates of upcoming repayments and a clear history of all your purchases with one tap.

Tailored to you.

Connect your bank account via Open Banking so we can give you a more affordable personal spend.

Security comes first.
We are SOC2 licenced and protect 
your account by using:

  • Enhanced ID verification
  • Multi-factor authentication
  • Data encryption

Got more questions?

FAQs
How to contact Zilch?

Trying to contact us? Here's how you can!

Please visit our Help Centre here.

If you can’t find the answers there, don’t worry. We’re on live chat ready to answer your questions from 8am to 8pm Monday to Sunday.

Once logged into your app, click on the options menu in the top right-hand corner and select 'Help'.

What is a regulated credit agreement with Zilch?

You enter into a regulated credit agreement with Zilch when you use your Zilch card to make a credit transaction and pay a fee – or when you use Zilch Snooze to delay a payment. 

Your Financial Ombudsman Service rights 

A regulated credit agreement gives you the right to take your complaint to the Financial Ombudsman Service (FOS). This means if you have a complaint about your regulated credit agreement and you’re unhappy with Zilch’s response, you have the right to refer your complaint to the FOS, free of charge – but you must do so within six months of the date of the final response. 

Section 75  
Section 75 of the Consumer Credit Act gives you additional protection on credit card purchases from £100–£30,000. If you have a claim for breach of contract or misrepresentation against the supplier of the goods or services, section 75 gives you the same claim against Zilch. 

What is an unregulated credit agreement with Zilch?

You enter into an unregulated credit agreement with Zilch when you use your Zilch card to make a credit transaction, fee-free. 

Your Financial Ombudsman Service rights 

You do not have FOS rights with unregulated credit agreements, which means if you have a complaint about your credit agreement and you’re unhappy with Zilch’s response, you do not have the right to refer your complaint to the FOS. 

Section 75  
With unregulated credit agreements, you have no rights under section 75 of the Consumer Credit Act. So, if you have an issue with the goods or services you’ve purchased using credit provided under this unregulated agreement, you must contact the retailer directly to resolve any dispute.