Zilch referral: £5 in Rewards, worth having if you'll Pay now at listed stores
Get approved and your card issued within 30 days of signing up through this link, add one small Tap and Pay purchase on Pay now to be safe, and Zilch adds £5 in Rewards within 10 working days. The value is in Pay now at stores you already use; the pay-later side is credit (representative APR 14.9% to 31.9% by tier), and Auto Snooze charges £1 or £2 per failed instalment.
Read our full assessment →Quick answer
Use the referral link for the Zilch offer. New eligible customers can get £5 in Rewards after meeting the requirement: Verify your ID, get approved and receive your card within 30 days; the referral page also asks for a first Tap and Pay purchase. Last verified 2026-10-12.
- Reward
- £5 in Rewards
- Referral code
- No code required
- Last verified
- 2026-10-12
- Difficulty
- Easy
- Time to claim
- 5 minutes to sign up; approval and card issue within 30 days
- Time to payout
- £5 in Rewards within 10 working days of completing the referral tasks
Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Open the referral link above and sign up with a UK debit card, ID and proof of address; Zilch runs a soft credit check.
- Within 30 calendar days of signing up, verify your identity, get approved and receive your Zilch card.
- Make one small Tap and Pay purchase, which Zilch's referral page also asks for. Set it to Pay now, or keep it under £10 (always processed as Pay now), so it can't pick up a pay-later fee.
- Zilch adds £5 in Rewards (500 Rewards) within 10 working days of you completing the referral tasks.
- On the free Standard plan, spend the Rewards at stores listed in the app within 12 months; they aren't cash.
Eligibility & requirements
- 18 or over and living in the UK (not the Isle of Man or the Channel Islands), with a UK debit card (not a credit, corporate or proxy card), a UK address, a mobile number and an email address.
- New customers only, one account per person, signing up through this link.
- Verify your ID, get approved and receive your card within 30 calendar days of signing up. Zilch doesn't approve everyone who applies through a link.
- The amount is set by the date you sign up and can differ during promotions.
- Rewards aren't cash: on the Standard plan they only work at stores listed in the app, and they expire 12 months after they're added.
- Zilch can refuse or reverse Rewards if it suspects fraud or a breach of the terms.
Verification notes
- Minimum spend/deposit
- Verify your ID, get approved and receive your card within 30 days; the referral page also asks for a first Tap and Pay purchase
- Last verified
- 12 October 2026
- Automated source check
- 9 August 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- No interest and no late fees, even on a missed payment.
- Pay now is free and earns Rewards: up to 5% at stores listed in the app and 0.5% elsewhere.
- Quick app sign-up with a soft credit check.
Watch out for
- The £5 is Rewards, not cash: on the free plan it only works at listed stores and expires after 12 months.
- Auto Snooze is on by default and charges £1 or £2 per instalment when a collection fails.
- A missed payment can block the account, harm your credit file and, after about two months, go to a debt recovery agency.
- Paying later costs £3 to £4.75 a purchase through Zilch Anywhere, and up to 1.8% of the price a month on Pay monthly.
- Buy now, pay later can encourage overspending.
FAQ
- How do I get the £5 for joining Zilch through this referral?
- Sign up through this link, then verify your ID, get approved and receive your card within 30 calendar days. Make one small Tap and Pay purchase with Pay now to meet the referral page's condition too. Zilch adds the £5 in Rewards within 10 working days.
- Is the Zilch reward cash?
- No. It's 500 Rewards, each worth 1p off a future purchase. On the free Standard plan they only work at stores listed in the app, and they expire 12 months after they're added.
- Does Zilch charge late fees?
- No late fees or interest. But Auto Snooze, which is on by default, charges £1 or £2 per instalment when a collection fails, and a missed payment can block your account, harm your credit file and, after about two months, be passed to a debt recovery agency.
- What APR does Zilch quote?
- Representative APRs from 14.9% to 31.9% depending on your tier: 14.9% on X, 18.6% on Classic and a fixed 31.9% on Up. Zilch's checks decide which tier you get.
Related offers
Provider
Currensea
Currensea's £10 needs £100 of foreign-currency spending within 180 days and a card kept for 90 days, which nets about £9.50 on the free Essential plan while delivery stays waived. The catch is the bank list: only 14 UK banks can be linked, so Monzo, Starling, Revolut and Chase customers can't use it. Checks are soft searches with no footprint.
Requirement: £100 in foreign currencies within 180 days of opening; keep the card for 90 days
Medium5-10 minutesPayout Bank transfer to the linked account within 5 working days of meeting the £100 spend
Verified 12 October 2026
Provider
Marriott Bonvoy Debit Card (Currensea)
Stacking travel points without another credit card? Quite. Apply for the Marriott Bonvoy Debit Card (by Currensea) with referral code CK7LHN, get approved, and make one genuine purchase — the official terms name no minimum amount — and you earn 2,000 Marriott Bonvoy bonus points, credited within 14 calendar days of the qualifying transaction. Three rules: the transaction can't be cancelled, refunded or reversed; don't close the account within 90 days of approval or the bonus is lost; and the reward is points, not cash — non-transferable, no cash value. You need to be 18+, have a valid mobile number, and never have held either Marriott Bonvoy Debit Card.
Requirement: First genuine card purchase; no minimum transaction amount is stated
Medium10-15 minutesPayout Within 14 calendar days of the qualifying transaction
Verified 10 October 2026
Provider
American Express Platinum Card
Apply for The Platinum Card through this American Express referral and earn 100,000 Membership Rewards points when approved and spending £6,000 in your first three months.
Requirement: £6,000 spend in first three months
Hard10-15 minutesPayout After qualifying spend
Verified 17 June 2026 · Ends 3 November 2026
Added 17 June 2026 · Last updated 12 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.