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zilch.com
Zilch
Zilch is a consumer payment app and card offering payment options, Rewards, and credit. Depending on eligibility and fees, customers can pay now or spread payments over 6 weeks or 3 months; listed repayment terms also include 6 and 12 months. Zilch advertises credit from £50 to £4,500, subject to…
Visit zilch.com ↗ What it costs
- 8.4 No. 8on Buy now, pay later apps
- Free plan · pricing on requestprice, as published
- Oct 7, 2026read on
What Zilch costs
- Zilch Standard Free
- Zilch Extra £2.99 / month
- Zilch Plus £4.99 / month
As zilch.com publishes them, read Oct 7, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 14
Strengths and limits
Strengths
- Pay now or spread payments across listed terms
- Can be added to Apple Pay or Google Pay
- Rewards can be used toward purchases
- Standard plan is free
Limits
- Standard is in-app only and has a £4.99 card fee
- Extra costs £2.99 a month
- Plus costs £4.99 a month
- Advance carries a £3 processing fee
Facts we read
- Advance limitEligible customers on Extra or Plus may borrow up to £100 through Advance, with a £3 processing fee. · zilch.com, Oct 7, 2026
- Customer supportZilch offers support seven days a week by in-app live chat from 9am to 6pm and by phone from 9am to 5pm. · zilch.com, Oct 7, 2026
- EligibilityZilch states that its credit is subject to status and is for people aged 18 or over who are UK residents. · zilch.com, Oct 7, 2026
- Founded2018 · zilch.com, Sep 28, 2026
- HeadquartersLondon, United Kingdom · zilch.com, Sep 28, 2026
- Open BankingZilch uses Open Banking income verification to unlock smarter offers, and says Advance eligibility requires connecting a bank account. · zilch.com, Oct 7, 2026
- Payment optionsCustomers can Pay now, pay over 6 weeks or pay over 3 months, subject to eligibility and fees. · zilch.com, Oct 7, 2026
- RegulationZilch Technology Limited says it is authorised by the Financial Conduct Authority for payment services and is authorised and regulated by the FCA. · zilch.com, Oct 7, 2026
- RewardsCustomers can earn up to 5% back in Rewards on Pay now purchases and use Rewards toward purchases. · zilch.com, Oct 7, 2026
- Security certificationsZilch says it is PCI DSS Level 1 certified, annually certified to ISO 27001:2022, and passed a SOC 2 Type 2 audit in June 2026. · zilch.com, Oct 7, 2026
- Shopping accessThe app can be used wherever Mastercard is accepted, according to Zilch’s about page. · zilch.com, Oct 7, 2026
- Spending limitThe site advertises credit from £50 to £4,500, subject to status. · zilch.com, Oct 7, 2026
- Wallet integrationsZilch says customers can add it to Apple Pay or Google Pay for tap-and-go shopping. · zilch.com, Oct 7, 2026
On these lists
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Verdict
Zilch offers several payment terms, Rewards, and optional credit, with plan costs and card access varying by tier. Check eligibility, fees, and repayment terms before choosing a payment option.
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