Zilch Reviews

Zilch reviews (2026) 3 verified reviews with an average rating of 5.0/5. Last updated . Read recent customer experiences, opinions, views covering everything including quality, support as well as referral success or other bonuses. Good or bad experience with Zilch? Share your review to make your opinion count and help others decide 🙏 See latest reviews from all stores →

5.0
Based on 3 reviews

Member Reviews


❤️ The Rebel Marketer ❤️ Sep 08, 2026

Zilch is a UK payment and rewards app that lets eligible customers pay immediately or spread certain purchases over time, while also earning rewards on qualifying transactions. The combination of a virtual card, retailer offers and flexible payment options makes it a distinctive alternative to a conventional cashback app or credit card. The current referral programme gives both an eligible existing customer and a successfully referred new customer £5 in Zilch Rewards after the new account is approved and the required identity and card-issuance steps are completed. Referral rewards can change during promotional periods, so the live terms should be checked before joining. Independent customer feedback is very strong at substantial scale, particularly around convenience and rewards. The important caveat is that Zilch is a credit product when pay-over-time features are used: eligibility is subject to status, fees or interest can apply, and borrowing should be managed carefully rather than treated as free money. For UK adults who understand the credit terms and value flexible payments plus rewards, Zilch offers a polished and widely used proposition. — The Rebel Marketer

🌟Golden Goose🪿✅ Jan 24, 2026

◀️‼️CLICK ON MY PROFILE FOR THIS REFERRAL AND SCROLL DOWN! THANKS ☺️ 🌟 Please use the referral link to ensure you receive the correct bonus as clicking on a recommendation link might not offer any incentive. Zilch is a UK payment app and virtual credit card that lets you pay in full or split purchases into interest-free instalments at many retailers. New users can get £5 in rewards (500 reward points) via a referral, with no spend required to unlock the bonus. Use the Zilch card online or in-store via Apple Pay, Google Pay or Samsung Wallet. Choose “Pay Now” to use your own debit card and earn cashback rewards, or use instalments over several weeks with clearly shown fees (similar to Klarna/Affirm) Cashback can potentially stack with other cashback platforms like TopCashback/Quidco/Rakuten/NX/Complete Savings/Airtime Rewards etc. Cashback Retailers have included the likes of: Aldi, AliExpress, Amazon, Apple Store, Argos, ASOS, Boots, CEX, Currys, Dunelm, eBay, EE, Etsy, JD, John Lewis, LEGO, Lidl, Matalan, Morrisons, Netflix, Nike, O2, Octopus Energy, Primark, Selfridges, Specsavers, Sports Direct, TK Maxx, Temu, Tesco, Uber Eats, Vision Express, Wickes, Supermarkets and more.

Coup Nov 06, 2025

A rewarding BNPL app