Skip to main content

What is Zilch?

Shop online and in-store with flexible ways to pay.

Zilch is a payments app that lets you shop online and in-store with a lot of payment flexibility.

You can use Zilch wherever Visa is accepted and choose from a range of payment options, including paying in full or spreading the cost over time.

What can I do with Zilch?

With Zilch, you can:

  • Pay now and earn Rewards on eligible purchases

  • Pay over 6 weeks

  • Pay over 3 months, Pay over 6 months or Pay over 12 months, if eligible

  • Shop online and in-store

  • Shop at any retailer with Zilch Anywhere

  • Pay in-store with Tap and Pay using your digital wallet

  • Earn and spend Rewards in the Zilch app

How to get started with Zilch

To start using Zilch:

  1. Download the Zilch app.

  2. Create your Zilch account.

  3. Link your debit card.

  4. Choose how you'd like to pay.

Once your account is set up, you can use your Zilch card to shop online or in-store.

How much does Zilch cost?

Downloading and using the Zilch app as a Standard customer is free.

Some Zilch payment options may include fees depending on the type of purchase and how you choose to pay – any applicable fees will always be shown clearly in the Zilch app before you confirm your payment plan.

Examples include:

  • Pay now purchases may have no fee

  • Pay over 6 weeks purchases may include fees

  • Pay over 3 months, Pay over 6 months and Pay over 12 months purchases may include fees

  • Minimum purchase amounts apply – Pay over 6 weeks requires a minimum spend of £10, and Pay over 3, 6 or 12 months requires a minimum spend of £75

  • Snooze and Auto Snooze may include additional fees if use

    There are thousands of stores in the app that are fee-free.

    Zilch does not charge hidden fees – you'll always see the total repayment amount before completing your purchase.

What payment options does Zilch offer?

Depending on your eligibility, you may be able to:

  • Pay in full immediately with Pay now

  • Pay over 6 weeks

  • Pay over 3 months

  • Pay over 6 months

  • Pay over 12 months

Available payment options and spending limits may vary depending on your account status, eligibility and the store you're shopping with.

Is Zilch a credit card or a debit card?

Zilch isn't a traditional credit card or debit card. Instead, it offers payment options that can work in a similar way to either, depending on how you choose to pay.

How Zilch works like a credit card

If you choose to spread the cost with a payment option such as Pay over 6 weeks or Pay over 3, 6 or 12 months (subject to eligibility), you'll make an upfront payment at checkout and pay the remaining balance over time.

This gives you the flexibility to make a purchase today and spread the cost across future repayments, similar to how a credit card works.

You can also use Zilch to Pay now – paying the total upfront, as you would with a debit card.

How Zilch works like a debit card

If you choose Pay now, you'll pay the full purchase amount at checkout. The payment is collected immediately from your linked debit card, similar to using a traditional debit card.

This option also lets you earn Rewards on eligible purchases while paying in full.collected upfront. The exact amount will be shown in the app before you confirm.

Did this answer your question?