Zilch referral code
Ad Links marked Ad are my referral links.
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.
Seb has used Zilch since 2025.
Part 1
The offer
Or copy the referral link below:
Reward
Get £5 in Zilch Rewards when you are approved and issued a card
How it works
- Sign up using the referral link
- Verify your identity and be issued a Zilch card within 30 days of signing up
- Both parties get £5 in rewards within 10 working days
Zilch
New age credit card with no interest and flexible ways to pay.
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
Paid once you are approved and issued a card, with no purchase or 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 within 30 days
- Time to receive
- Within 10 working days of approval
Zilch referral pros and cons
Pros
- £5 reward just for signing up, no purchase required
- No interest when you pay over 6 weeks (4 instalments), and no fee at the thousands of fee-free stores listed in the app
- Works at any online or in-store retailer that takes Visa, through Zilch Anywhere
- Up to 5% back in Rewards when you pay in full at a store listed in the app, with the card enabled first
- No late fees on any Zilch plan
- Soft credit check only during sign-up
Cons
- £5 reward can only be spent through Zilch, and on the free Standard plan only at stores listed in the app
- Missed payments on longer credit plans can affect your credit score
- Auto Snooze is on by default, and charges £1 or £2 to delay an instalment that wasn't collected unless you switch it off
- Paying in full without enabling the card in the app first, or through Zilch Anywhere, earns up to 0.5% instead
- Spreading a purchase outside the fee-free stores costs a fee: £3 to £4.50 over 6 weeks through Zilch Anywhere
- 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 Visa card that works anywhere Visa is accepted, online and in-store. Split a purchase into 4 interest-free payments over 6 weeks, or pay upfront and earn 0.5% to 5% back in Rewards. The Standard plan is free, and Zilch is FCA-regulated with over 6 million customers.
What is Zilch?
Zilch is a UK buy-now-pay-later app with a virtual Visa card that works anywhere Visa is accepted, online and in-store. Split a purchase into 4 interest-free payments over 6 weeks, or pay upfront and earn 0.5% to 5% back in Rewards. The Standard plan is free, and Zilch is FCA-regulated with over 6 million customers.
Signing up runs a soft credit check, which does not affect your score. Zilch is FCA-regulated (opens in new tab). Zilch's plans article (opens in new tab) puts two paid plans above Standard: Extra at £2.99 a month, still rolling out, and Plus at £4.99 a month. A physical card costs £4.99, or nothing on Plus.
How does the Zilch referral scheme work?
Sign up through a Zilch referral link, verify your identity and get issued a Zilch card within 30 days, 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 and get issued a Zilch card within 30 days, and receive £5 in Zilch rewards within 10 working days. No purchase is required. The referrer also gets £5.
Where the £5 spends depends on your plan. Zilch's Rewards article (opens in new tab) says Standard members, on the free plan, can spend Rewards only at stores listed in the Zilch app, while Extra and Plus members can spend them anywhere the card is accepted. On any plan you cannot 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 0.5% to 5% 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 0.5% to 5% of it lands in that balance, and the balance then comes off a later purchase made through the app.
The rate depends on the store and on enabling the card first. Zilch's Pay now article (opens in new tab) gives Standard members up to 5% at a store listed in the app when the card is enabled before checkout, and up to 0.5% when it isn't, as with plain Tap & Pay or Zilch Anywhere. Plus members get up to 6% and 1.5%. You cannot withdraw rewards to a bank account, and they only spend inside Zilch, so they are money off your next Zilch purchase rather than cash back in your current account. My sign-up reward and the 2% I earn paying in full at Tesco land in the same balance.
Who is Zilch best for?
Zilch is best for people who shop at the stores listed in its app. There the interest-free 6-week plan is also fee-free at thousands of stores, including Currys, M&S and Tesco, which suits occasional larger purchases, and paying in full earns up to 5% back, which beats most debit cards. It works anywhere else Visa is accepted, at a fee to spread the cost. Use responsibly to avoid overspending.
Who is Zilch best for?
Zilch is best for people who shop at the stores listed in its app. There the interest-free 6-week plan is also fee-free at thousands of stores, including Currys, M&S and Tesco, which suits occasional larger purchases, and paying in full earns up to 5% back, which beats most debit cards. It works anywhere else Visa is accepted, at a fee to spread the cost. 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 anywhere Visa 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 anywhere Visa 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.
- Rewards: Zilch pays up to 5% back at stores listed in its app and up to 0.5% on other upfront payments, both on its free plan. Klarna's cashback page (opens in new tab) offers up to 7% at participating stores in its app, to non-members too, but its cashback on every purchase starts on Plus, at 0.5%, for £9.99 a month after a £0.99 first month
- 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 plans start at £4.99 a month after a £0.99 first month, 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 October 2026 on Klarna's refer-a-friend page (opens in new tab), which sets them per campaign and can change them, and its card plans page (opens in new tab).
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 within 30 days |
| 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 | £5, £10 or £20 (random) |
| Reward type | Store credit | Cash |
| Requirement | Sign up, verify identity, and be issued a Zilch card within 30 days | 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 Ad https://zilch.onelink.me/x8EV/8gurm5u5 (opens in new tab), last tested by Seb Place on 2026-10-22.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: 22 October 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, and you have 30 days from signing up to finish those steps.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 after a £0.99 first month, and make 3 purchases of £10 or more within 30 days. Klarna's headline is double; the conditions are why. Klarna figures checked October 2026 on Klarna's own refer-a-friend page, which sets them per campaign and can change them.Is Zilch free to use?
The Standard plan is free, and paying in full never carries a fee. Spreading a purchase can. Pay over 6 weeks is free at thousands of stores in the app; elsewhere, Zilch's fees article (opens in new tab) puts it at up to £3 when you enable the card in the app first, or £3 to £3.50 through Zilch Anywhere, each £1 more over £75. Paying monthly over 3 to 12 months, where offered, costs up to 1.8% a month. There is no interest and no late fee, and Zilch quotes a 14.9% representative APR (the rate including those fees). Snoozing an instalment costs up to £1.50, and Auto Snooze, which is on by default, charges £1 or £2 to delay one that wasn't collected. Extra (£2.99 a month) and Plus (£4.99 a month) are optional paid plans, and a physical card costs £4.99, or nothing on Plus.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 anywhere Visa is accepted, online and in-store. For the full Rewards rate and the lowest fees, search for the store in the app and enable your card before you pay; Zilch Anywhere covers stores the app doesn't list.What is Zilch's Pay over 6 weeks plan?
You split a purchase of £10 or more into 4 payments over 6 weeks, with no interest. The first, 25% or 50% of the price depending on your plan, is paid at checkout, and the other three are taken every two weeks. The fee runs from £0 at thousands of stores in the app to £4.50 through Zilch Anywhere.Can I earn cashback with Zilch?
Yes. Pay for a purchase in full and you earn 0.5% to 5% back in Zilch rewards on the free Standard plan, the top rate only at a store listed in the app with the card enabled first. Rewards come off 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 charges no late fees and no interest on missed payments, on any plan. It retries the payment, and if that fails, Auto Snooze (opens in new tab), which is on by default, delays the instalment 4 days for £1 or 8 days for £2, depending on your settings; you can switch it off in the app. Missed payments may also 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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