Zilch.com Refer a Friend – Get £5 Free
Get the £5 Zilch Bonus via our Referral Link
How to get the bonus:
1. Click the Link: Register for Zilch and link your debit card.
2. Verify ID: Upload a photo of your License or Passport (verification is usually instant).
3. Spend the Bonus: Toggle the “Rewards” switch in the app before your first purchase to use your free £5.
What is Zilch?
Zilch is a UK-based financial app that offers a flexible way to pay for everyday purchases using a virtual Mastercard. It is best known for two distinct features: “Pay in 4,” which allows you to spread the cost of a purchase over six weeks with 0% interest at thousands of participating retailers, and “Pay in 1,” which gives you up to 2% instant cashback (Zilch Rewards) when you choose to pay the full balance upfront. By signing up through a referral link and verifying your identity, new users typically receive an immediate credit—currently £5—which can be toggled in the app to discount your very next purchase, whether online or in-store via Apple or Google Pay.
Stacking Rewards
For those focused on maximizing every penny of spend, Zilch is more than just a payment app—it’s a powerful stacking tool. By using the “Pay Now” (Pay in 1) feature, you earn up to 2% cashback at selected high-street giants like Amazon, eBay, and many supermarkets, and a baseline 0.5% cashback everywhere else. This is particularly valuable for “points hunters” because it allows you to earn rewards at retailers that don’t typically accept American Express. Since Zilch acts as a virtual Mastercard, you can link it to your standard bank card and stack its internal rewards on top of other cashback platforms or loyalty schemes, effectively “double-dipping” on every transaction.
What is Take me to the Points?
Take me to the Points is a dedicated UK travel and finance blog designed to help you maximize your everyday spending through strategic point-hacking and cashback rewards. With over seven years of expertise, the site provides in-depth guides on top-tier schemes like American Express, Avios, and Marriott Bonvoy, alongside a curated directory of verified referral links and promo codes. Whether you are looking to unlock luxury travel for less or find the best sign-up bonuses for fintech apps and utilities, the site serves as a trusted “last-click” resource to ensure you never leave money (or points) on the table.
See our referrals for other finance products including American Express Referral Link, Raisin.com Referral, AJ Bell £100 Referral, Dodl £30 Referral and PayPal £10 Referral
Page updated April 2026
