Who can use this offer?
- Eligibility
- Eligible new UK customers aged 18+; account approval required
- Spending or deposit
- Account approval; purchases for ongoing rewards
Read the provider’s full terms and confirm your eligibility before applying.
How to claim the offer
Follow these steps only if the provider confirms the invitation and its current terms.
- Join through the referral and complete identity checks.
- Ensure the account is approved and your card issued within 30 days.
- For shopping rewards, select the retailer and Pay Now, then check the rate before enabling the card.
- Apply available Rewards to an eligible purchase under the app’s rules.
Important conditions
- Rewards are shopping credit rather than cash withdrawable to your bank. Promotional referral amounts can vary.
- Pay Now takes the full purchase amount from your linked debit card. Other Zilch payment options can involve borrowing and fees.
- Check reward expiry, merchant exclusions and any plan charges. Buying on credit purely to earn rewards can cost more than the saving.
Checks & provider information
- Last checked
- 18 Oct 2026
Provider information checked on 18 October 2026. Confirm the invitation and full qualifying terms before applying.
Zilch referral rules
