What are the Zilch plans?

Standard is Zilch's free plan and gives you access to Zilch's core features.

With Standard, you can:

Zilch Plus is a paid membership that gives you access to higher Rewards rates, exclusive offers and additional member benefits.

Zilch Plus costs £3.99 per month.

With Zilch Plus, you can get:

*A £4.99 card fee applies if you cancel your Plus membership within 90 days.

Zilch Plus members can earn higher Rewards rates on eligible purchases.

To earn the highest available Rewards rates, you'll need to enable your Zilch card before checkout.

If you use Zilch Anywhere, or do not enable your Zilch card before paying, lower Rewards rates may apply.

For Zilch Anywhere purchases, you'll earn:

Rewards for Pay now purchases are usually added instantly.

Rewards for Pay over time purchases are added after you make your final repayment.

You must have an active Zilch Plus membership when you make your final repayment to receive Rewards on Pay over time purchases.

Zilch Extra is a paid membership that is rolling out gradually and may not be available to all customers.

Zilch Extra costs £2.99 per month.

With Zilch Extra, you can:

Priority Customer Support gives you quicker response times and a more premium support experience.

Priority Customer Support benefits are provided in addition to core support services, including support for:

You'll see the option to start a free trial in the Zilch app.

You only receive one free trial. If you leave a membership after your free trial and later rejoin, the monthly membership fee will apply.

It only takes a few moments to activate your membership and you can cancel at any time.

Yes. You can cancel a Zilch membership at any time.

There is no minimum commitment and you can cancel your membership in the Zilch app whenever you like.

If you cancel a Zilch membership, you'll continue to receive membership benefits until your next billing date.

If you switch back to the Standard plan, you'll keep any Rewards you've already received.

However, if you do not have an active Zilch membership when you finish repaying a credit purchase, any pending Rewards linked to that purchase will not be added to your account.

Selected customers may be eligible for a one-month free trial of Zilch Plus or Zilch Extra.

After the free trial ends, the applicable monthly membership fee will apply. T&Cs apply.

No. Membership fees cannot be refunded once a membership has been activated, even if you only use the membership for part of the month.

You can cancel your membership at any time in the Zilch app to prevent future charges.

We've updated our general terms and conditions to include Zilch memberships.

You can view the Zilch membership terms and conditions at any time in the My plan section of the Zilch app.