u/Bristolhitcher

Zilch gives you a virtual debit card for online or in-store use. You can pay later (BNPL, optional) or pay now, earning 0.5% cashback everywhere or 2% at select partner retailers. Cashback is instant and can be used for future purchases.

Spending your £5

Enable the store in the app (online or in-store) and toggle use rewards at checkout. Zilch uses your £5 first, then any remainder comes from your linked debit card.

Cashback after the bonus

• 0.5% everywhere with Pay Now
• 2% at select partners
• Rewards are instant and can stack with other cashback apps when buying gift cards.

Example: Buy a £30 Morrisons gift card through Everup at 4% (£1.20), pay with Zilch for 0.5% (£0.15) - total £1.35 back on £30.

Other info

• Can be added to Apple Wallet/Google Wallet
• Soft credit check only, no impact on credit score
• Cashback is automatic with the virtual card

Get your referral code from me so I can track!

I am looking for just 2 people to use this, you might ask why am I offering an incentive? Well I am finishing off a guide for stacking discounts here in the UK and Zilch is a big part of it, but the app offers a higher limit if you refer 2 people, i've never needed to use the BNPL feature but finding out what happens after I refer 2 will help massively!

Anyone here with GiffGaff? -

Did you know, each month you can get 30 free sim cards delivered to your address?

Im always on the look out for these and can offer £0.45 per sim card.
Save them up and forward them to me!

Payment in: Giftcards, Giffgaff credit or paypal f&f!

Zilch is a popular payments app and card with over 5 million customers that lets you earn cashback at hundreds of companies.

It is currently offering an instant £5 bonus for new customers who successfully sign up through a friend. It recently simplified its referral scheme, so now, qualifying for the referral bonus is instant - you just need to upload and verify your ID! Note: a credit check will be performed.

My steps to receive your free £5 bonus on Zilch (no spend needed)

1. Get my referral link!
2. Upload your ID - a passport or driving licence is needed. I got an email immediately afterwards to say I had been verified, so it should be an instant decision
3. Link a bank card and add your Zilch virtual card to your digital wallet i.e. Apple Pay/Google Pay if you wish to use it in future
4. The bonus will be applied automatically. You can then spend this online or in-store - just select the retailer before you shop and toggle the slider to apply the reward to your purchase

What you get from me: £10 paid to you via Paypal Friends & Family or Bank Transfer

Why am I offering more than what I would get? I'm currently doing a bit of a deep dive into stacking of discounts, im pretty well versed in using Zilch linked to other cards and purchasing One4Alls or GIftcards with it for that sweet higher %'s when used with a cashback link!

The one thing which is missing on my Zilch, is inviting 2 people to "up my credit limit" for pay over time. Ive never used pay over time myself, but as I am writing a guide, I need to gauge how worthwhile this is for others, hence why I am paying higher for the research!

Hey!

Just thought I should share this as it wasn't always there!

Hilton is now on Zilch!

What is Zilch? Essentially a debit card, which when linked to another card can be used as a Pay Now, Pay Over 6 Weeks / 3months / 6months / 12months.
(Linking to something like a paid revolut plan or paypal debit will mean you can stack more points!)

If Pay now, you'll get anywhere from 0.5% to 5% instantly back.
0.5% is given if you use the card without activating at a specific retailer.
2% is the normal rate for activating, 3% if youre a plus member (£3.99 a month)

HIlton is now on there, giving the normal 2/3%! Can be stacked with Shopping at Avios link!
Works out better than the UK Amex cards (we dont have a Hilton Credit Card!)