Zilch referral code

Zilch is a UK buy-now-pay-later app with a virtual Mastercard that works everywhere — online and in-store. Split purchases into 4 interest-free payments over 6 weeks, or pay upfront for 2% cashback. FCA-regulated with over 4 million customers.

Zilch is a UK fintech company that offers a buy-now-pay-later service and a virtual Mastercard. Unlike traditional BNPL apps that only work at specific retailers, Zilch works everywhere Mastercard is accepted — both online and in-store. You can split purchases into 4 interest-free payments over 6 weeks, or pay upfront and earn 2% cashback in Zilch rewards. Zilch is FCA-regulated and has over 4 million UK customers. They perform a soft credit check at sign-up, which does not affect your credit score.

Sign up through a Zilch referral link, verify your identity, get issued a Zilch card, and receive £5 in Zilch rewards within 10 working days. No purchase is required. The referrer also gets £5.

The Zilch referral programme is one of the simplest available — sign up using the referral link on this page, verify your identity, get issued a Zilch card, and £5 in Zilch rewards is credited within 10 working days. No purchase is required. You can then use the £5 credit on any purchase through the Zilch app. The person who referred you also receives £5. Since there is no spending requirement to claim the reward, Zilch has one of the lowest barriers to entry of any referral scheme.

Zilch is best for people who want flexible payment options at any retailer. The interest-free 6-week plan suits occasional larger purchases, while the 2% pay-in-full cashback beats most debit cards. Use responsibly to avoid overspending.

Zilch suits people who want flexibility in how they pay for purchases. If you occasionally need to spread the cost of a larger purchase without paying interest, the 6-week payment plan is genuinely useful. The 2% cashback on pay-in-full transactions is also competitive — better than most debit cards offer. Zilch is particularly handy for online shopping, as it works at virtually any retailer. However, if you are prone to overspending, be cautious with any BNPL service — the ease of splitting payments can make it tempting to buy more than you planned.

Zilch works everywhere Mastercard is accepted, unlike Klarna and Clearpay which need partner retailers. Zilch's 2% pay-in-full cashback is unique in the BNPL space. Trustpilot: Zilch 4.5, Klarna 4.0, Clearpay 3.8.

Zilch's main competitors are Klarna and Clearpay. The key difference is that Zilch works everywhere Mastercard is accepted, while Klarna and Clearpay only work at partnered retailers (unless you use Klarna's card). Zilch's 2% cashback on upfront payments is unique in the BNPL space. All three offer interest-free instalments, but Zilch's 6-week plan with 4 payments is slightly shorter than Klarna's Pay in 3 (3 payments over 60 days). Zilch's Trustpilot score of 4.5 is comparable to Klarna (4.0) and ahead of Clearpay (3.8).