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Yes! Based on how you’ve used Zilch, we may choose to upgrade certain users so that they have a higher available spend. 😀

When we upgrade, we look at your payment history. The more often you use Zilch and the more you pay on time, the greater your chances of having a higher available spend.

We do a soft credit check when you sign up with Zilch. This allows us to determine your Available spend amount with us.

Any missed payments will be reported to Credit Reference Agencies, and this may affect your credit score.

Have a question? Please check out our FAQ's below. For all general enquiry, just give us a shout via our live chat service located on our home page.

We are on live chat 8am - 8pm.

For Technical Support with Tap and Pay, please contact 020 3405 9775 (option 2) for the following issues:

• If you are unable to link your card to your device
• Have been unsuccessful in making a Tap and Pay purchase
• You are unable to see your Zilch card in your device wallet

Our Tap and Pay Technical Support line is open between 9 am and 5 pm Monday to Friday. (excluding bank holidays).

Please note, if your query is not Tap and Pay related, you can also call our Customer Support team on 020 3405 9775 (option 1) on Monday to Sunday 9am-6pm

If you are experiencing financial difficulty, please let us know by contacting our Support team via live chat and we can let you know what options we have available to help you. Alternatively, more information can be found here.

Here’s what you’ll need:

• A valid UK debit card
• A UK 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.

Anything over your available spend will be added to your first payment at checkout. Pay the rest over 6 weeks. This will involve both making a credit payment, up to the value of your available balance, and debit payments, using the debit card you have registered with us, for the remaining amount.

For example, if your available spend is £200 and you use Zilch Boost to make a £300 purchase:

Your first payment (made at the time of purchase) would be £150.

This includes both your first Zilch re-payment of £50 (a quarter of your available spend) and the extra £100 you spent.
Your second, third and fourth instalment payments will each be £50.

To view your Zilch account online, just head to www.payzilch.com, then log in to your account and use the search box to select your retailer. Then tap the green card to view your full card details.

If you have the Zilch App, go to ‘Settings’ and select ‘My Cards’. Then tap the green card to see all your card details.

You can link any UK-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 Mastercard:
Debit cards from outside the UK
Corporate cards
Credit cards
Prepaid credit cards
Gift cards
Proxy cards