Zilch Reviews

Zilch reviews (2026) 2 verified reviews with an average rating of 5.0/5. Last updated Sep 8, 2026. 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 2 reviews

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❤️ 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

Coup Nov 06, 2025

A rewarding BNPL app

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