It’s great because I can use my card anywhere. I have one complaint though. I introduced 2 people who have used their cards regularly but never received my reward. Also I’m paying for Zilch plus but n... See more
Company replied
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Review summary
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What people talk about most
Reviews shaping this summary
The transaction was made smoothly but it didn’t reflect on my account for a few days and wasn’t able to determine whether the purchase was successful. But it finally came through
Company replied
Was uncertain about the value of the card so I tried it out on a small purchase and it gave me some cash back and it acted as a useful barrier between the retailer and my bank account. I have chosen t... See more
Company replied
Good for splitting payments but would prefer if they had an option like Klarna where you can spilt monthly rather than fortnightly
Company replied
Company details
About Zilch
Written by the company
About Zilch
Join over 4 million customers and get the credit you deserve with Zilch. Pay your way – in-store or online – with responsible limits, no interest* and no late fees. Ever. *Purchase fees may apply.
From 18.6% APR Representative. Credit subject to status, 18+, UK residents only. T&Cs apply.
Pay with credit
S-t-r-e-t-c-h the cost of pricier purchases with credit limits up to £2250. Break down your payment into four equal chunks with Pay over 6 weeks or 3 months. And hit Snooze* whenever you need more time. *Subject to eligibility and fees may apply.
Pay with debit
The Zilch card links seamlessly with your bank account so you can pay via debit and get up to 5% back in Rewards every time you Pay now. Rewards are added to your account instantly, so you can use them to discount your next purchase or save them up for something special.
Exclusive deals
Download the Zilch app and browse our storefront for exclusive deals at brands you love, including Amazon, Morrisons, eBay and loads more.
Grow your credit
If you use Zilch regularly and always make your payments on time, your credit score could go up. We’ll also give you easy-to-follow tips on how to increase your credit limit.
Download App
Contact info
111 Buckingham Palace Road , SW1W 0SR, London, United Kingdom
- payzilch.com
4.4
Excellent
84K reviews
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will let you know once my refund is…
will let you know once my refund is sorted out rail card took the payment zilch took the payment but no services were recieved
29 August 2026
Reply from Zilch
We’re so sorry you haven’t been able to get in touch with us. We’ve sent you a private message so we can try to sort this out for you ASAP.
Thanks
Team Zilch
Reply from Zilch
That’s great, we’re so glad to have your feedback.
Drop us a message on Facebook, X (Twitter), Instagram or live chat if we can help with anything at all.
All the best
Team Zilch
Fantastic when in a sticky situation
Fantastic when in a sticky situation, and that you pay a percentage it stops you over spending.
6 September 2026
Reply from Zilch
We love to hear it. Cheers for taking the time to leave us your feedback, we’re always here if you need help.
Thanks
Team Zilch
It’s just trying to understand how it…
It’s just trying to understand how it works because I recommended someone to this and somehow it doesn’t work for them but I think how this work is. You have to have enough funds on your usual Card for this to work but at the moment, I think it’s okay
30 August 2026
Reply from Zilch
We’re so glad you’re happy. Please reach out if we can help you with anything else. The best way to get in touch is via live chat or you can send us a message on Facebook, X (Twitter) or Instagram.
Thanks
Team Zilch
Quick and straight forward service
5 September 2026
Reply from Zilch
OK, stop it now. You’re making us blush.
Thanks for the love
Team Zilch
I don't happy because I have 50£ credit…
I don't happy because I have 50£ credit but I don't used
23 August 2026
Reply from Zilch
Thanks for your lovely feedback. We’ll be sure to share it with the relevant people.
All the best
Team Zilch
10000% recommend
Gives people that are struggling to pay for the purchase in FULL a chance to pay it off in easy installments. Extremely happy😃
6 September 2026
Reply from Zilch
Thanks for telling us about your experience with Zilch so far. We're so happy to have you on board.
Let us know if we can help with anything.
Thanks
Team Zilch
A simple method of credit usage may not…
A simple method of credit usage may not use all the time and there maybe exceptions but I'm happy that I have the card to utilise and know it will be paid off at sensible rates over weeks and you don't get a massive shock that makes you feel elated with e purchase and then concerned you still have to pay off
so a simple idea packaged and made accessible and accepted
30 August 2026
Reply from Zilch
Thanks for taking the time to share your experience. We're always happy to hear from our customers.
Please let us know if we can help in the future.
All the best
Team Zilch
Reply from Zilch
Thanks for this excellent review.
We love stars. Especially when there are five of them.
Team Zilch
I really appreciate every services i…
I really appreciate every services i need it perfect 👏
29 August 2026
Reply from Zilch
*Happy dance*
Thanks for the amazing review.
Team Zilch
Made a purchase of just over £15 and…
Made a purchase of just over £15 and got charged £3.25!!! Excessive. Will think twice next time using this card.
5 September 2026
Reply from Zilch
Thanks for leaving your review. We really appreciate your feedback. Good or bad, it helps us improve our service to our customers. We've identified the issue here – someone from our team will be in touch asap.
Thanks
Team Zilch
Always friendly patient and will listen…
Always friendly patient and will listen without interuptions
Always a great experiance .
28 August 2026
Reply from Zilch
If we had a pile of our favourite feedback, this one would go straight to the top.
Thanks so much
Team Zilch
What a great service,they helped to…
What a great service,they helped to return in least amount which is so appreciating,go for it guys
5 September 2026
Reply from Zilch
Thanks for taking the time to leave us feedback – and for making us smile today.
Do reach out if we can help you with anything.
All the best
Team Zilch
Not impressed
Not impressed. Kept declining insufficient funds. Very embarrassed. Got petrol and couldn't pay. Not good.
29 August 2026
Reply from Zilch
We appreciate all feedback – good and bad – so thanks for leaving your review. We know what's gone wrong here so we're going to send you an email with more information.
Thanks
Team Zilch
Finance side is fine
Finance side is fine
Refunds when you’ve paid off a purchase and general customer service is a big zero
29 August 2026
Reply from Zilch
Thanks for leaving your review. We really appreciate your feedback. Good or bad, it helps us improve our service to our customers. We've identified the issue here – someone from our team will be in touch asap.
Thanks
Team Zilch
Change needed to be made on info
Change needed to be made on info. It was made easy to do and quickly approved
29 August 2026
Reply from Zilch
Thanks for taking the time to leave us feedback, we love to hear when we’re doing a good job.
Team Zilch
Reply from Zilch
We appreciate you taking the time to leave us a review. We’re so glad you’re happy. We’ll keep up the good work.
Thanks
Team Zilch
Nothing but scam the whole thing.I…
Nothing but scam the whole thing.I would avoid this company at all costs. Numerous times this company has abused my credit unknowingly and will not sort it. Avoid at all costs
5 September 2026
Unprompted review
Reply from Zilch
We’re very sorry to hear this – we’ve sent you a private message requesting your details so we can investigate this fully for you.
Thanks
Team Zilch
Reply from Zilch
We love to hear it. Cheers for taking the time to leave us your feedback, we’re always here if you need help.
Thanks
Team Zilch
It was easy to use at checkout and…
It was easy to use at checkout and everything went smoothly on the app, my first time using the app and zilch card while shopping. Good job zilch , thank you.
5 September 2026
Reply from Zilch
We love to hear positive feedback, so thanks for making our day.
Team Zilch
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