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Zilch – Flexible ways to pay. Responsible credit limits.

Zilch home page
Zilch landing page

What is Zilch about?

Zilch is a UK-based fintech company offering a flexible, transparent, and accessible Buy Now, Pay Later (BNPL) service. It allows consumers to shop online and in-store, offering interest-free payments over time, with no hidden fees or complicated terms.

Key Features

  • Buy Now, Pay Later
  • Interest-Free Payments
  • No Late Fees
  • Instant Approval and Seamless Checkout
  • Virtual Card for Payments
  • Flexible Repayment Plans

Why choose Zilch?

Zilch is a good solution for consumers looking for a flexible and transparent way to finance their purchases without hidden fees or high-interest rates. With its interest-free payment plans, virtual card features, and credit-building opportunities, Zilch provides a responsible and convenient alternative to traditional credit options.

Who is Zilch for?

  • Personal users

Where is Zilch available?

Zilch is currently available for residents in:

United Kingdom

How is Zilch different than my bank?

Zilch provides 24/7 account access via its mobile app, enabling you to manage finances, make payments, check your balance, and freeze your card anytime. Real-time transaction notifications keep you in control of your spending.

Opening an account is quick and hassle-free—download the app, verify your identity, and get started within minutes. No credit check is required.

With low fees and no physical branches, Zilch minimizes costs for ATM withdrawals, international transfers, and payments abroad. The app also keeps everything digital, offering convenience and eco-friendliness.

Founded: 2018

Headquarters: London, UK

Users: +4 million

Countries available: UK

Account plans: prepaid debit cards for personal users

Zilch cards
Zilch cards

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Affordable fees and attractive pricing

Quick account setup and hassle-free onboarding

Intuitive design for easy navigation

Neobanks offer highly accessible, user-friendly mobile apps designed for a smooth, modern banking experience. Unlike traditional banks, which rely on complex processes and paperwork, neobanks provide a streamlined interface where users can manage finances, track transactions in real-time, and set up alerts with ease. This straightforward, app-based experience appeals to tech-savvy users and businesses alike, offering a practical solution for efficient financial management.

Advanced budgeting and financial tracking tools

Responsive support and community involvement

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