Zilch referral code
Get £5 in Zilch rewards when you sign up and verify your ID using a refer-a-friend link.
Zilch's refer-a-friend scheme gives both parties £5 in rewards once the new customer verifies their ID and is issued a Zilch card. The credit lands within 10 working days of approval. I signed up with a referral code in 2025, and the £5 appeared in my rewards balance shortly after my identity check cleared.
Last tested on by Seb Place.
Part 1
The offer
Zilch
New age credit card with no fees and flexible ways to pay.
Or copy the referral link below:
Reward
Get £5 off your first purchase
How it works
- Sign up using the referral link
- Verify your identity and be issued a Zilch card
- Both parties get £5 in rewards within 10 working days
3.2 / 5
My rating for this deal
This rates the Zilch referral itself: what you get, what you have to do to get it, and how long it takes to arrive. It isn’t a rating of Zilch as a company.
Why this rating
Applies to the first purchase with no spending threshold in front of it, which suits a product most people try once before committing to it. It is one of the smallest rewards here, and ten working days is slow for a credit that size.
Part 2
Is it for you?
Zilch referral summary
- Reward
- £5 in Zilch rewards
- Reward type
- Store credit
- Requirement
- Sign up, verify identity, and be issued a Zilch card
- Time to receive
- Within 10 working days of approval
Zilch referral pros and cons
Pros
- £5 reward just for signing up, no purchase required
- 0% interest when you pay over 6 weeks (4 instalments)
- Works at any online or in-store retailer via the Zilch Mastercard
- 2% cashback when you pay in full upfront using Zilch
- No late fees on the Pay in 6 weeks plan
- Soft credit check only during sign-up
Cons
- £5 reward can only be spent through Zilch, not withdrawn as cash
- Missed payments on longer credit plans can affect your credit score
- The longer-term credit options carry interest charges
- Buy-now-pay-later can encourage overspending if not managed carefully
What is Zilch?
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.
What is Zilch?
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.
Signing up runs a soft credit check, which does not affect your score. Zilch is FCA-regulated (opens in new tab).
How does the Zilch referral scheme work?
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.
How does the Zilch referral scheme work?
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.
Because the card is a Mastercard rather than a retailer tie-up, the £5 spends about anywhere: supermarkets (Tesco, Sainsbury's, Aldi, Lidl), online retailers (Amazon, ASOS, eBay), food delivery (Deliveroo, Uber Eats, Just Eat), subscriptions (Spotify, Netflix, Disney+), and any high street shop with a card terminal. What you cannot do is withdraw it as cash.
What are Zilch reward points?
Zilch rewards are a spending balance, not a points currency you convert. Pay for a purchase in full and 2% of it lands in that balance, and the balance then comes off a later purchase made through the app.
What are Zilch reward points?
Zilch rewards are a spending balance, not a points currency you convert. Pay for a purchase in full and 2% of it lands in that balance, and the balance then comes off a later purchase made through the app.
You cannot withdraw rewards to a bank account, and they only spend inside Zilch. So the 2% is money off your next Zilch purchase rather than cash back in your current account. My sign-up reward and the 2% I earn on pay-in-full purchases land in the same balance.
Who is Zilch best for?
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.
Who is Zilch best for?
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.
A word of caution: if you are prone to overspending, be careful with any BNPL service. The ease of splitting payments can make it tempting to buy more than you planned.
How Zilch compares to other BNPL services
Zilch works everywhere Mastercard is accepted; Clearpay needs partner retailers, and so does Klarna unless you take a Klarna Card. Zilch's £5 sign-up reward needs only an ID check, while Klarna's £10 needs a paid monthly plan and 3 purchases of £10 or more.
How Zilch compares to other BNPL services
Zilch works everywhere Mastercard is accepted; Clearpay needs partner retailers, and so does Klarna unless you take a Klarna Card. Zilch's £5 sign-up reward needs only an ID check, while Klarna's £10 needs a paid monthly plan and 3 purchases of £10 or more.
- Cashback: Zilch's 2% cashback on upfront payments is unique in the BNPL space
- Payment schedule: Zilch splits into 4 payments over 6 weeks; Klarna Pay in 3 is 3 payments over 60 days
- Sign-up reward: Klarna's paid plan starts at £4.99 a month with the first month free, and the 3 qualifying purchases have to land within 30 days. Klarna also pays whoever referred you £40, four times the £10 you get; Zilch pays both sides the same £5. Klarna figures checked August 2026 on Klarna's refer-a-friend page (opens in new tab), which sets them per campaign and can change them.
Trustpilot scores compared:
- Zilch: 4.4/5 (opens in new tab)
- Klarna: 4.4/5 (opens in new tab)
- Clearpay: 4.3/5 (opens in new tab)
Part 3
How it compares
Zilch referral at a glance
| Your reward | £5 in Zilch rewards |
| Friend's reward | £5 in Zilch rewards |
| Reward type | Store credit |
| Requirement | Sign up, verify identity, and be issued a Zilch card |
| Time to receive | Within 10 working days of approval |
| Referral limit | Unlimited |
Zilch key facts
Zilch vs Monzo referral
| Feature | Zilch | Monzo |
|---|---|---|
| Reward | £5 in Zilch rewards | £10, £20 or £50 (random) |
| Reward type | Store credit | Cash |
| Requirement | Sign up, verify identity, and be issued a Zilch card | Make a card payment within 30 days |
| Time to receive | Within 10 working days of approval | Within days of first card payment |
| Referral limit | Unlimited | Up to 100 referrals at the random reward, then £5 each |
| Trustpilot | 4.4/5 | 4.6/5 |
Part 4
Questions & related
Zilch referral FAQ
What is the Zilch referral link?
Referral Plug's verified Zilch referral link is https://zilch.onelink.me/x8EV/8gurm5u5 (opens in new tab), last tested by Seb Place on 2026-09-07.How do I get £5 in Zilch rewards from Zilch?
Use Referral Plug's verified Zilch referral link https://zilch.onelink.me/x8EV/8gurm5u5 (opens in new tab) when signing up. The link gives you £5 in Zilch rewards; verified by Seb Place on 2026-09-07.Is Sebastian Place's Zilch referral link verified?
Yes, Seb Place personally verified the Zilch referral link https://zilch.onelink.me/x8EV/8gurm5u5 (opens in new tab) on 2026-09-07. Referral Plug's full testing methodology is at https://www.referralplug.co.uk/methodology (opens in new tab).Does Zilch offer a discount code, voucher code, or promo code?
No, Zilch doesn't run public discount, voucher, or promo codes. Its refer-a-friend scheme is the only sign-up reward: £5 in Zilch rewards for both you and the existing customer who refers you, credited after you are approved and issued a card. Last verified: 7 September 2026. Compare how this works across every brand I cover in my UK voucher codes guide.What is the Zilch referral reward?
You get £5 in Zilch rewards credited to your Zilch rewards balance within 10 working days of you being approved and issued a card. No purchase is needed to claim it.How do I use a Zilch referral code?
Click the referral link on this page, download the Zilch app, and complete the identity verification process. The £5 credit appears in your account within 10 working days of being approved and issued a Zilch card.Is the Zilch referral better than Klarna's?
Zilch pays £5 for signing up and verifying your ID, with no purchase and no subscription. Klarna's refer-a-friend pays £10, but only once you choose a paid monthly plan, from £4.99 a month with the first month free, and make 3 purchases of £10 or more within 30 days. Klarna's headline is double; the conditions are why. Klarna figures checked August 2026 on Klarna's own refer-a-friend page, which sets them per campaign and can change them.Is Zilch free to use?
Yes. There are no monthly fees, annual fees, or account charges. The Pay in 6 weeks plan is 0% interest. Longer credit terms may carry interest charges which are clearly shown before you commit.Does Zilch affect my credit score?
Signing up involves a soft credit check only, which does not affect your score. However, if you use Zilch's longer-term credit products and miss payments, that can be reported to credit agencies.Where can I use Zilch?
Zilch works everywhere Mastercard is accepted, both online and in-store. You activate your Zilch card in the app before making a purchase.What is Zilch's Pay in 6 weeks plan?
You split a purchase into 4 equal payments over 6 weeks at 0% interest. The first 25% is paid at checkout, with the remaining three payments taken every two weeks.Can I earn cashback with Zilch?
Yes. If you choose to pay for a purchase in full upfront through Zilch, you earn 2% back in Zilch rewards, which can be used on future purchases.Can I withdraw Zilch rewards as cash?
No. Zilch rewards can only be used as credit towards purchases made through the Zilch app. They cannot be withdrawn to a bank account.What happens if I miss a Zilch payment?
Zilch does not charge late fees on the Pay in 6 weeks plan. However, missed payments may be reported to credit reference agencies and could affect your credit score.Is Zilch regulated?
Yes. Zilch is authorised and regulated by the Financial Conduct Authority (FCA), providing consumer protections under UK financial regulations.What does the referrer get from a Zilch referral?
Worth knowing: the referrer (the existing Zilch user who shared this link) receives the same £5 in Zilch rewards that you do, credited to both accounts once you have verified your identity and been issued your Zilch card. No purchase is required. Zilch funds both rewards from its acquisition budget, so the account terms and Zilch service you receive are unaffected by whether you sign up through a referral link or directly.
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